davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the Fair Credit Reporting act You are reporting the wrong address of XXXX XXXX XXXX XXXX Ohio XXXX, attached is my proof of my address delete and remove all address thats reporting in error only XXXX address should be reporting XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 then records of convictions of crimes which antedates the report by more then 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 2022-12-08
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ND)

In accordance with the Fair Credit Reporting act XXXX Account 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received results on XX/XX/2024 and noticed I have inaccurate information on my credit report concerning XXXX accounts. 

The first XXXX is XXXX XXXX # XXXX, the XXXX XXXX is inaccurate, the date opened is inaccurate and the last payment is incorrect. 

The second account is the public record that's on file and it has inaccurate information. The date filed is inaccurate and the type is inaccurate as well.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a working credit card with XXXX XXXX XXXX XXXX A couple months ago, out of the blue, I got a letter from XXXX XXXX I couldn't decipher the intent?. I called the XXXX customer service XXXX XXXX at XXXX no one knew a thing. I called again weeks later, just to make sure. Credit rating is everything. Fast forward, about XXXX weeks ago, I received a credit card in the mail- evidently from XXXX Bank XXXX I discarded it, I don't take credit cards unsolicited- and who would in XXXX?. I just happen to have XXXX for their towing, etc, and placed a call to their XXXX, PA office. I explained the situation and the woman on the phone was happy to tell me XXXX split from BOA. After a pause, I told her no one contacted me and simply said, " Do you want our new XXXX. Cd. because of ... ... ...? '' I immediately called the number on my XXXXBOA credit card- lucky to get through- it was a new call center- **not recognizing any of my credentials! '' I had a balance and paid it. I tried to explain the situation and close the account.I was told no one can close accounts?, after being on hold another 20 mins..I called back several times from XX/XX/XXXX thru XX/XX/XXXX, lucky to get thru today- only to be put on hold again?? What is going in this country? I have excellent credit, know I have a credit card that is useless- BOA doesn't recognize my credentials either!! Unacceptable!
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (MN)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-12-08
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. (CA)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-08
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. (TN)

Transunion did not investigate my original dispute as they stated in my original complaint that I filed on XXXX. Their response did not address my complaint. They simply stated that they updated the credit file and refused to make their response public so that it could be seen publicly so that they could not do anything and skirt around the law. The law is clear that when a dispute is filed, the CRA must update the credit report to reflect what is in dispute and they did not. This is a violation.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$1.00} XXXX XXXX XXXXXXXX Balance : {$3.00} XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (ID)

I paid off a trailer and after multiple phone calls and promises of lien being expedited nothing has been done. Wells Fargo is in violation of XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
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. (LA)

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.

The letters are stated with items and issues.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (AZ)

XX/XX/2024 Representative continied to call me ma'am, even after XXXX attempts to be called sir, I'm a guy. Also, rep refused to let me speak without iintrrupting me. I tried to let him know we paid the debt XX/XX/2024
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

My credit report was ran and a collection from Ic Systems Inc representing XXXX a gas and electric company came up on my report. I got this information from XXXX XXXX XXXX XX/XX/22 So on XX/XX/22 I called Ic Systems Inc and they wanted me to pay {$470.00} to get the debt taken care of which is not my debt. I called XXXX myself and they never sent anything to a collection agency. 
I have XXXX XXXX the lady I talked to at Ic Systems Inc ) my bank card to put {$1.00} and my social security number to pull up my account. 
I believe this is a scam so I cancelled my card I gave her.
Consumer complaint received 2023-08-17
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. (MS)

Sold me a lemon car I didnt have one month this csr started acting up they pick this car up at the hostipal one day I was sick
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I was approved for a CareCredit card with Synchrony Bank in XX/XX/XXXX in order to use solely for veterinary services. I was approved for {$5000.00} for the card with a co-applicant, based on credit " worthiness ''. I was then riddled with fraud on my main bank account and had to open a new account with my bank. This account was still linked to my CareCredit/Synchrony Bank account, and I did not receive any notifications regarding late payments or upcoming payments. I assumed that it would be taken out of my account directly as it had been in the past. 

However, I was not notified and when I realized that I had to make my payment, I logged into my account and to my surprise the account had been closed without any warning whatsoever. They sent a letter on XX/XX/XXXX which is 8 days past the due date for minimum payment ( first of every month ). The letter that was sent the same day they closed my account listed the reason for the decision to close the account was due to the " Number of dishonored payments on this account ''. I had one dishonored payment, less than 8 days past the due date without receiving any notifications, calls, emails to remind me or make me aware of the issue. If they had done that, I would have realized that I needed to reconnect my new bank account and all would have been fine. 

Now my credit score has gone down 100 points and will affect every aspect of my financial wellness. What happened to me is deplorable and inexcusable due to the treatment by customer service agents when I attempted to fix the issue immediately after I saw the closed account and the fact they closed my account while only notifying once of a late payment.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (NM)

Someone is infiltrated my banking life.they steal of my credit card. 
I can't use it because wells fargostealsit or lets the fraudster steal it They refuse to credit anything back. 
I have been locked out of my online banking bg for year and half.. 

They will not so send me an ATM card I beg for help .I am XXXX with a XXXX  and XXXX XXXXthey made me homeless be because they would only give me a XXXX dollars to live on. 
.ca n't dispute any charges because been locked out
Consumer complaint received 2022-10-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. State 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.
Consumer complaint received 2023-08-16
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number XXXX 15 U.S.C. 1681, section 602.A states I have the right to privacy.

15 U.S.C Section 604. A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have sent Equifax numerous of letters asking them to remove the wrong birthdate on my credit report. I also have gave them more then 30 days to remove the wrong birthdate and have not gotten a response from them
Consumer complaint received 2023-09-14
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: EdFinancial Services (CA)

Greetings, I recently reviewed my credit report on XX/XX/2023 and it shows that XXXX is continuing to report EDFinancial Services. My student loans are no longer with EDFinancial Services because they have been transferred over to XXXX XXXX XXXX XXXX. I have the same debt reporting twice from two different companies. I owe {$56000.00} dollars but XXXX is continuing to report {$100000.00} dollars. I called EdFinancial Services XX/XX/XXXX and they no longer have me in their system. I am writing to request the deletion of accounts of EDFinancial Services on my credit report. 


I kindly request that you investigate the inclusion of theses loans on my credit report and take appropriate action to remove them if they indeed meet the criteria for deletion under 15 USC 1681b ( a ) ( c ). I understand that the law allows for the removal of obsolete and outdated information, and I believe that these loans fall within those parameters.

I have provided relevant supporting documentation that demonstrates the eligibility of these loans for removal to XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response and the successful resolution of this request.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I don't recognize nor have I authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX