davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX  Account : XXXX and Amount Collect : {$100.00} and Account : XXXX Amount : {$120.00} from Creditor : 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.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work two jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my XXXX  XXXX. I insist you remove any and all inaccuracies because it is a violation of my rights.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Subject : Complaint Regarding TransUnion, XXXX, and XXXX Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, XXXX, and XXXX, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. 

Inaccurate and inconsistently reported Accounts Information : 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 Details of the Violations : XXXX. XXXXMetro 2 Compliance Standards : XXXX The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. 

XXXX. XXXXFair Credit Reporting Act ( FCRA ) : XXXX The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. 

Resolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : XXXX. XXXXDeletion of Inaccurately and Inconsistently Reported Accounts XXXX XXXX I request the immediate deletion of all inaccurately and inconsistently reported accounts from TransUnion XXXX XXXX XXXX and XXXX. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. 

Thank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

After the announcement of potential student loan forgiveness, I requested a refund of payment of {$14000.00} with EdFinancial on XX/XX/2022 as I made payments during the covid waiver I am eligible for forgiveness. I called back on the 31st to get an estimate for the timeline of refund, and they told me it would be about 150+ days for a refund. I told them that is too long as the forgiveness application is set to open in XXXX and I'm assuming it may take a few weeks to process that already. I also told them that this is past the no interest rate in XX/XX/XXXX so while I wait for forgiveness I would accure interest. They basically told me too bad and I would be responsible for interest past XXXX. Interest would be added DAILY even though I already paid off my loan. I don't quite understand how it would be responsible for interest to accure when I can't even see the balance or make a payment and yet would be getting some of this forgiven. This request should not be taking over 150 days as other loan services are about a few weeks compared to EdFinancial. I should be able to get a refund, apply for forgiveness and pay back the remaining balance without interest. Add this all to they recent databreach to this company in the last few weeks and this company fails to give me confidence about anything they do. EdFinanciall fails to process refunds in a timely matter, has poor customer service, poor data practices, and says I could potentially pay interest for a loan I already paid.
Consumer complaint received 2023-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Credit Card Opened by XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00} Credit Card XXXX by the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} Credit Card Opened by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2700.00}
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-07-25
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. (FL)

On my equifax report XXXX XXXX XXXX hasnt been reporting my on time payments, increased credit limit and balance since XX/XX/XXXX  and Ive been trying to fix this problem for 4 months now and its hindering my credit score.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (FL)

On XX/XX/XXXX, I sent a payment to OneMain Financial to pay off a loan in which the tender of payment was refused. I recently seen in UCC 3-603 that if a tender of payment is refused, there has to be discharge of the debt. On XX/XX/XXXX, I sent OneMain Financial a conditional acceptance notice where I asked for specific information and for them to validate the debt within 10 days after receipt of the notice. It has since been 35 days and I have not received any information I requested, and this makes this debt invalid due to them not responding to my offer of a point-by-point basis via sworn affidavit signed under the penalty of perjury.
Consumer complaint received 2023-05-29
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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern : I am writing to formally dispute information on my credit report, as provided by your agency, under the provisions of Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ). I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on my credit report : XXXX XXXX XXXX Account Number : XXXX I request that you investigate this matter and correct or delete the disputed information from my credit report in accordance with the FCRA XXXX 

Also, in accordance with FCRA, I am requesting that you remove the address entry obtained to the associated items on my credit report and that you provide me with a written report and all original documentation detailing the results of your investigation and any actions you have taken to rectify the inaccuracies within 30 days from the receipt of this letter.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XX/XX/2021 I purchased an XXXX XXXX  on XXXX for {$1600.00} XX/XX/2021 XXXX said my flight was null and void and i would be refunded. I was not refunded by merchant so i issued a billing dispute. 

XX/XX/2021 Issued a billing dispute due with Citi Citi credited my account at the time. However later they re-charged my card in XX/XX/2021 ( backdated to XXXX ) for amount of {$1500.00} meaning I had 1 credit and 2 charges on my card so I actually had paid for the flight XXXX had said was null and void. 

Contacted Citi in XX/XX/2021 reporting issue and they acknowledged I should not have been charged. Contacted them further in XXXX and XXXX and was told the issue was closed.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you please review the documents? Several of the listed accounts contain inaccuracies, causing me considerable unease.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX, # XXXX amount of {$790.00} the account was charged off for amount of {$790.00}. On XX/XX/XXXX the account was then turned over to Midland Credit ( MCM ) Management, Inc. MCM account # XXXX. The account was paid in full. but it is showing on my credit with {$0.00} balance showing that it was charge off. When I tried to received a loan or credit they tell me it not showing that I paid the charge off. ; it showing still as a charge off account. this account was settle on XX/XX/XXXX. the reason for this deliquency was a cut in my hours on my job. Why is it still showing as a charge off and not a paid charge off. I know that my race has a lot to due with this. I did not let this stay on my credit I paid it off. I am so sorry for not be able to pay my bill on time, but they cut my salary down to nothing. But I paid off all negatives with my INCOME TAX. I have called them several times they told me that it is going to show up as a charge off, I do n't understand, because it should say that I paid the charge. I had a rejection last week and they told me the same thing until I showed them the letter that MCM sent saying that I paid the charge off. I hope that someone can help me with this situation, if not I will purse other options. Thanks for your time please see attached letter
Consumer complaint received 2024-01-17
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. (IN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The other day I was looking at my credit report and was shocked to find a number of errors being incorrectly and verifiably reported on my credit. This lack of diligence by the bureaus is incredibly wrong and frustrating and is causing a lot of stress in my day to day life due to the bureaus reporting misinformation without verifying it and without getting my authorization to do so.
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (CA)

XXXX Honda financial services Some time ago I tried to reach a payment agreement with this company they called me and no agreement was reached then I called to return the car and I still have no answers they said they would contact me and to date they have not, I want know where I should return the car and that it does not cause me more economic damage and even though now I will not be able to pay more in the future you will be harassing me with the remaining debt since I am sure that in the auctions they get the worst possible price, thanks I want to see the way to return the car
Consumer complaint received 2024-01-17
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 am writing to delete the following information in my file. 
XXXX XXXX XXXX  The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2020-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I had an account with payPal and was using it for XXXX  transaction. I sold my PC and received {$380.00}. Paypal shut down my account without any explanation and freezed my money. There is no any help from them and any explanations. I can not get my money for PC.
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX  ; XXXX  XXXX inquired on XX/XX/XXXX  ; XXXX  XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX  ; XXXX  XXXX XXXX inquired on XX/XX/XXXX  ; XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/. 






The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2023-02-20
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. (CA)

This is my follow-up complaint regarding the items that are reported in my credit report that are erroneous. In my previous complaint dated XX/XX/2023, I disputed these Items : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX ... Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} Please Block them because the listed addresses are not my correct address, The accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (CT)

I have item on my credit that I have been disputing for over 2 years now. Ill dispute them and still see them on my history. Charge off and whatever companies are still trying to collect money when I keep telling them that the accounts are not mine. They even have me living in a State that I have never visited XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I have never lived at. I am frustrated and seem to not be getting any help to correct the situation.
Consumer complaint received 2024-01-17
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. (WI)

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX