davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from XXXX. The report shows multiple addresses ( XXXX ) XXXX XXXX XXXX B, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX AK XXXX. 
XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened XXXX XXXX XXXX account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with XXXX XXXX XXXX.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and XXXX XXXX XXXXXXXX with ref # XXXX. I contacted XXXX and XXXX XXXX XXXX disputing their report which is hurting me seriously, also filed a police report with case # XXXX.
Consumer complaint received 2020-06-09
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. (MI)

XXXX XXXXXXXX XXXX XXXXXXXX claims they update with credit bureaus every 30 days but its not true they reporting based off when they statement month start and ends which is cause me an issue because I paid credit balance off in full XX/XX/2020 and Im being told they cant update credit report with bureaus again until XX/XX/2020 when it should be reported XX/XX/2020 since it was paid in full in previous month of XXXX so Im taking another hit to my credit report coming off the pandemic where I already took so many hits to the report its bad business and as a consumer is causing me to be limited in what actual can obtain because my credit report is still showing delinquent when it shouldnt
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (IN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  - XX/XX/2023
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MI)

My purse was stolen on XX/XX/XXXX XXXX while visiting XXXX, XXXX. I had a Venmo Debit card that was stolen. 3 purchases were made on the card. 
XXXX. {$830.00} at XXXX  ( store # XXXX ) XXXX. {$48.00} at XXXX XXXX XXXX XXXX {$43.00} at amazon I have contacted Venmo on multiple occasions. 
On XX/XX/XXXX I received a credit for {$43.00} and on XX/XX/XXXX they reclaimed the credit. 
I filed a police report with XXXX XXXX on XX/XX/XXXX. 
I am attaching proof of email interaction as well as transaction info.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts below, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX XXXX + {$9100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX XXXX  + {$970.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX XXXX + {$140.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX XXXX + {$9400.00} Needs Attention XXXX Reported : XXXX XXXX XXXX + {$450.00} Needs Attention Company also failed to update me in writing results of dispute. Continues to report inaccurate information.
Consumer complaint received 2023-06-06
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)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
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. (NY)

I requested a refund from XXXX for my student loan payments I had made during the pandemic. They processed my refund and said I was eligible for a refund of over {$11000.00}. I called to follow up since I had not received my refund, and XXXX told me that my loans had been transferred to Aidvantage who would be processing my refund. I called Aidvantage who said they have no record of me in their system but the transfer should be complete by XX/XX/XXXX and to keep trying to register for an account on their website. It is now XX/XX/XXXX and I am still unable to register for an account on Aidvantage 's website and they are unable to find a record of my account.
Consumer complaint received 2023-06-06
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. (IN)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraudulent activities, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

the information for XXXX XXXX shows a Charge Off and was not a charge off. 

I have provided a letter from XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX is an XXXX XXXX company
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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
Consumer complaint received 2023-06-06
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZWICKER & ASSOCIATES (TX)

I have never signed any agreement with any debt collector. They have attempted to contact me multiple times and placed a judgement of my name under county court. They have violated multiple counts of my consumer rights. They need to stop all communication efforts and recover judgement as soon as possible.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

The Fair Credit Reporting Act requires maximum possible accuracy and that agencies must take reasonable procedures to ensure that. It is being claimed that the account is reporting accurately to all consumer reporting agencies which is false and I demand this account is deleted. See attached exhibits and company responses. It is clear that they did not conduct proper investigation to this matter so I demand that they send me the procedures they took to ensure the accuracy of this inaccurate account.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I want to bring attention to a series of fraudulent charges that have been made on my banking account. I have filed disputes regarding these charges but have not yet been reimbursed for the unauthorized transactions. 
Multiple credit cards, including XX/XX/XXXXXXXX, XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, Wells Fargo XXXX XXXX XXXX and XXXX XXXX Pep Boy, were affected by these fraudulent charges. 
The fraudulent activities have been ongoing from XXXX to XXXX, leading to the closure of my Wells Fargo bank account due to the excessive number of fraud charges. 
Despite my efforts to dispute these charges with Wells Fargo 's customer service fraud department, they have informed me that the volume of charges is too high to handle individually. In light of this situation, I have taken the necessary steps to file a police report to document the fraudulent activity and provide evidence to Wells Fargo.

Because of the closure of my Wells Fargo account, my credit card payments were returned even though I had consistently made all payments on time. This has resulted in a negative impact on my credit report. 1 kindly request that Wells Fargo thoroughly investigate the fraudulent charges and reimburse me for the unauthorized transactions. Additionally, 1 urge them to take appropriate measures to rectify the negative impact on my credit report caused by the returned payments.

1 appreciate your prompt attention to this matter and look forward to a resolution that is fair and just.
Consumer complaint received 2017-05-14
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. (CO)

XXXX   XXXX , I requested verification of debt and  two  late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCPA  807 [ 15 USC 1962e  ] this is a violation
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (HI)

On XX/XX/XXXX I received an email from a subscription service, XXXX, that my card had been declined and I wouldn't be receiving my box. Great, I thought. I had that card closed in the fall because of unrelated fraud, I don't want or need this box, and since they don't have my card, it won't be mailed out. However, on XX/XX/XXXX, I was billed for the service just the same.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX 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 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 2023-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX denied me any disputes on my unauthorized inquires and double or triple inquires the said I had to call the creditor their job is to report what any creditor regardless of any original source they will still report and not let people dispute innacurate inquires
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. XXXX Account XXXX : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Why the XXXX is it taking you weeks to remove the fraud alert/freeze you have on my account?! 

REMOVE THE FRAUD FREEZE/ALERT FROM MY CREDIT FILE. Why am I constantly repeating the same thing in these reports for over a month, over a year, over 3 years? REMOVE THE FRAUD ALERT FROM MY ACCOUNT YOU ARE EFFECTING MY CREDIT IN REAL LIFE WHEN MY SCORE IS OVER XXXX. 

I AM TIRED OF SUBMITTING THE SAME XXXX REPORT EVERY WEEK I AM DISGUSTED YOU HAD THE AUDACITY TO KICK ME OUT OF MY ACCOUNT AFTER BEING REPORTED TO CFPB. I HAVE ONLY HAD A FREE ACCOUNT & WILL NOT BE PAYING FOR AN UPGRADE I DID NOT ASK FOR & WASNT NOTIFIED OF. ITS GIVING THEFT, you still have to do your XXXX job SUBSCRIPTION or not ; and I am documenting this for a class action lawsuit.