davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (IL)

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (FL)

Calls made last month to a customer agent XXXX. Three calls made this month to other agents. One in person to a branch in XXXX XXXX. Subject : Disputing a late fee of XXXX XXXX dollars when expected time of refunds were not posted to the account to balance off the payment due on the XXXX. Calling the bank last month for the same issue informed me that before I can dispute a late from posting it needs to be posted before I can dispute the late fee for refunds of returned products. Since the products were not refunded on time when payment was due to the credit card company caused uninformed lock out from my account and charged the late fee to their advantage. They did not inform me of withholding the fee and out of discretion held refunds against my account to charge a late fee. In question to reverse the late fee I spoke with a supervisor that will not remove the late fee and had explained the circumstances of returns being refunded late and will post by the end of this week. He told me only one reversed late fee applies to the account once a year, so why was I not informed by the last representative advising me that I would only need to call in if returns were not posted on time and when the late fee was charged, why she did not explain that one reversed late fee was already used .Calling in today was informed that they closed up the account without my knowledge. This is disrespectful, and have displayed arrogance and rudeness towards my family and I in the past as an account holder for the past twelve years.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Owner about XX/XX/XXXX. I made a billpay payment to XXXX  XXXX XXXX to pay my credit. Somewhere around XX/XX/XXXX XXXX called me and told me there was an issue issuing electronic checks that they were issuing a paper check. I believe they were having some kind of system issues that affected many of their clients, and not just me in particular They told me it would take XXXX to XXXX business days. I told them my payment was due on XX/XX/XXXX. I also explained that Im paying interest there so its important that the payment gets there as soon as possible. They gave me an XXXX number to call for any, I would like to make after the payment was made on XX/XX/XXXX. I contacted them again saying the payment still has not shown up the lady at the XXXX number told me she can not help me and I asked to speak to a supervisor. The supervisor told me theres nothing they could do that they could stop payment on the check and I would receive my money in XXXX to XXXX business days, I told him that check would come in the first or second week of XXXX not only will. I have been paying interest but I will also have a late payment and it will affect my credit. He said he could issue me a letter to clean up my credit if it messed it up, I told him his letter would not be very helpful since the credit is not Capital One, but it is my equity line of credit at XXXX XXXX  XXXX. He said that is all he could do to help me. I searched and found an XXXX number at Capital one for XXXX complaints. The person from their contacted me this morning Friday, XXXX XXXX she told me she would look into it and let me know something by XXXX. Meanwhile, Capital One has had my funds for over a month. They have never credited my account at XXXX XXXX XXXXXXXX where Im paying interest of 9 %. I am completely unsatisfied.
Consumer complaint received 2024-01-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Was just notified from the Bank that if I did not go to paperless statements, they would begin charging me a what I consider to be a 'junk fee ' of {$1.00} per month anytime I had a balance of more than {$2.00}. This was a change from their initial terms and conditions from when I opened up the credit card account. I know the CFPB has made significant improvements in the industry regarding 'Junk Fees ' and wanted to call this out. I will go paperless because I have no choice.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TX)

I was shopping auto insurance and was told that a accident claim was on my clue report. I know this is not my claim so I asked for the consumer report company that gave them this information and they said LexisNexis reporting agency. I went online to ask for a copy of this report 45 days later they send me a letter that states that LexisNexis has conducted a search of its databases based on information provided to them and is unable to give me a copy of this report. I want a copy of this report immediately.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 


15 U.S.C 1681 section 602 A. States I have the right
Consumer complaint received 2024-03-20
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. (WA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (IL)

To XXXX : I made a request for a partial refund of my federal student loan to my loan servicer ( EdFinancial Services ) on XX/XX/2022. I later called Edfinancial services on XX/XX/2022, to inquire about the status of the refund. Unfortunately, Edfinancial Services could not provide a timeline of when my refund ( {$4100.00} ) will be processed or approved. The government strongly urges qualifying applicants to complete the XXXX XXXX loan XXXX XXXX application by XX/XX/XXXX. The company 's failure to provide a timeline prevents me from proceeding with the application which is needed for the forgiveness to be applied to the updated loan balance. 

Thank you.
Consumer complaint received 2024-01-25
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: SYNCHRONY FINANCIAL (IA)

SYNCB/AMAZON Inquiry XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Unrecognized Inquiries on Credit Report Dear CFPB, I am writing to dispute several inquiries on my credit report that I do not recognize. These inquiries are impacting my credit score, and I believe there might be an error. I have attached supporting information to aid in your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2023-03-16
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft. On XX/XX/2024, I realized that several credit accounts had been opened using my personal information. All of the card limits were maxed out and my credit score has plummeted to a point that I can't get approved for any new credit. 

The fraudulent accounts are as follows : Account XXXX XXXX XXXX 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 2022-10-19
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. (AL)

15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX al XXXX XXXXXXXX XXXX XXXX XXXXXXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-03-16
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

on XX/XX/2020, I SENT THE CRA 'S ( XXXX, EQUIFAX, AND XXXX  ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BRAND NEW ACCOUNT WAS SUSPENDED FOR A FALSE FRAUD ALERT. ALTHOUGH I WAS INFORMED THAT IT WAS DETERMINED THERE WAS NO FRAUD, BANK OF AMERICA WAS UNABLE TO REOPEN MY ACCOUNT AND COULD NOT EXPLAIN WHY. I REQUESTED TO CLOSE MY ACCOUNT AND WAS INFORMED IT COULD NOT BE CLOSED BY AN INEXPERIENCED CUSTOMER SERVICE AGENT WHO DID NOT SEEM TO KNOW HOW TO CLOSE AN ACCOUNT. I WAS TOLD THAT THE ACCOUNT COULD NOT BE CLOSED UNLESS I STAYED ON THE LINE FOR AN INDETERMINATE AMOUNT OF TIME. I SPENT OVER AN HOUR BEING TRANSFERRED FROM CALL CENTER TO CALL CENTER WITHOUT ANY RESOLUTION. NO EMPLOYEES UNDERSTOOD WHAT WAS GOING ON WITH MY ACCOUNT.
Consumer complaint received 2023-03-15
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. (MI)

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. 

Accounts 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. 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 2023-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (TN)

Today I reviewed my credit report and discovered that this company has reported that I owe for a debt that was discharged. My Attorney XXXX XXXX XXXX XXXX XXXX, had this debt discharged releasing me from any financial obligation of this debt. The original creditor was aware of this prior to sending this to collections. This was clearly a retaliatory act to defame my good name and injure me financially.
Consumer complaint received 2023-03-15
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. After reviewing my credit report, I found several items that are not accurate and require immediate attention. 

Firstly, I have no recollection of authorizing the following credit pulls, and I demand their removal : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Secondly, I would like to bring to your attention that some of the inquiries have reached the statute of limitations and should be removed. These inquiries include : XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX Furthermore, I dispute the following items that are not accurate : XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX XXXX Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
I respectfully request that you investigate these inaccuracies and make the necessary corrections to my credit report. Please notify me in writing of the actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.