davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (MD)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} DPT ED/XXXX XXXX Balance Owed : {$120000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9500.00} DPT EDXXXX XXXX Balance Owed : {$120000.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9500.00} DPT EDXXXX XXXX Balance Owed : {$120000.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-04-04
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 2019-04-29
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. (AZ)

The following accounts and credit inquiries listed on my XXXX and Trans Union credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (AZ)

XX/XX/XXXX  a request to close my Avant Credit Card account was sent to XXXX and I received a follow up email XX/XX/ with instructions to confirm the request, the request was confirmed same day, Avant confirmed the account closure. XX/XX/2023 Ive received a new invoice with additional interest applied and my online account does not reflect the account being closed.
Consumer complaint received 2019-04-29
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc. (MO)

I have received many mailers and emails from Sofi over the past year encouraging me to apply to refinance my student loan. When I received an email specifically showing the range of rates I could qualify for, I submitted an application for their pre-approval process, which does not involve a credit check. The rate quoted was above my current interest rate, so on XX/XX/XXXX I called to inquire if the rate could go down before I formally applied. The associate I spoke too informed me that if I provided a statement showing my current balance and interest rate, Sofi would match or beat the rate, and that the pre-approval rate was not locked in. Knowing this, I applied later that day, and on XX/XX/XXXX returned a voicemail from the company stating that my loan was approved and I could electronically sign loan documents. 

The associate I spoke to on this day informed me that the approved rate ( which again, was higher than my current rate ) could not be changed. I asked if there was any way to look into a lower rate, and she told me absolutely not. I asked her to withdraw my application. 

I called back on XX/XX/XXXX ( today ), because I realized that Sofi made an inquiry for my credit report, which would potentially negative affect my credit score. I am not happy that I was told that Sofi would be able to match or beat a rate after applying, and then after the inquiry was told they could not. The associate I spoke with told me she was sorry for any misunderstanding, and that I could re-apply and see if I could get a lower rate again, since my current application had been withdrawn at my request. 

After this call, I received a message through Sofi 's message center stating that I could re-apply and provide the Regulation Z TILA disclosure from any loans that I am currently " shopping for '' and that they would consider matching that rate. 

I realize that the company can not " reverse '' a credit inquiry, so there is very little they can do about this. However, I feel it should be reported, as I was strongly encouraged to apply to receive a better rate. I never would have authorized the credit inquiry had I known that my current rate could not be matched or beaten.
Consumer complaint received 2019-04-29
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. (GA)

To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called Experian, XXXX, and XXXX multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NV)

Midland Credit Management continues to harass both myself and my family members about a Debt that they refuse to send a debt validation letter to. I have contacted Midland Credit management requesting that they send me a debt validation letter and they refuse to send me a copy of the letter, when i spoke to an agent she was extremely disrespectful and told me a letter was sent out at the beginning of XXXX which i did not receive when asking for them to send me another copy of the debt validation letter as i let her know i did not receive it she refused to send one.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Colony Brands, Inc. (MA)

This is about the bankruptcy on my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT XXXX XXXX file on XX/XX/2015. I talked to Bankruptcy Court and  they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.
Consumer complaint received 2023-03-31
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)

As of XX/XX/2023 Ive notice this fraudulent account As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-04
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-07
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. (GA)

on or about XX/XX/2019 I noticed a medical collections on my trans union report. This is an invalid debt, and I believe a person with a name similar may have a medical account, but I have never visited an urgent care, nor have I ever been without medical insurance. Im not sure if the HIPPA laws would even allow TransUnion to verify this debt prior to adding to my credit report, as they are required to under the FCRA. So im not even sure how Transunion came to adding this account but it isnt rightfully mine.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

I received a promotional offer 0 interest rate for balance transfer with Chase. 
The amount transferred was XXXX and charged XXXX dollars for transfer fee. on my first bill the minimum payment was XXXX dollars, I paid XXXX dollars they charged me for the next billing cycle {$5.00} arguing that the transfer fee was added as purchase and for that reason was charged with interest fee on my bill. I argued I pay more than minimum they never explained that to avoid any charges I will have to pay in the next build the {$5200.00}, I told them that is false advertisement because I will always have to pay 21 % interest if I have to use the card even if I paid the entire purchase item for next bill. 
at the end they are explaining something after they are charging me with something they added to my account is transfer fee no a purchase. below is their answer. 
I am closing all my accounts with Chase. I had balance transfer before it was not like that. looks like is a new practice. 

From Chase : XXXX, here 's what happens when you take advantage of a balance transfer offer : - You'll have a new promotional balance on your account. 
- As a result, you lose your interest-free period, also called your grace period, on new purchases unless you pay your entire balance in full each month. This includes any promotional balances that you added by using the offer. 
- New purchases include any fees added to your purchase balance, such as an annual fee, if it applies to your account. 
- You receive the promotional rate on balances you add to your account using the offer, but you will pay interest on your new purchases. 

We received your payment of {$510.00} on XX/XX/XXXX. We charged you {$5.00} in interest on the purchase balance. 

When you make payment towards the account, it will first be applied to your statement balance. If your statement balance is paid in full, the remaining amount will be applied to any current activity balance on the account. 

If you pay your minimum payment, generally, it will be allocated towards the - First balances with the lowest APR - Then balances with the highest APR Any payment amount above your minimum payment will be allocated like this : - First towards balances carrying the highest APR - Then towards balances with the lowest APR If you have two balances carrying a promotional APR at the same rate, balances that will expire soonest will be paid first. 

If you have two balances carrying a promotional APR at the same rate and expire at the same time, the promotion that posted to the account first will be paid first. 

Here 's your current annual percentage rate ( APR ) and the balances : - {$310.00} at 21.49 % variable for purchases - {$4600.00} at 0.00 %, good until XX/XX/XXXX.
Consumer complaint received 2023-04-04
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. (CA)

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 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. Please delete the account : XXXX F XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-04-04
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. (MD)

XXXXm 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DCXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-04
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-04
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. (MD)

I discovered that some of the information on my credit report was incorrect and misleading when I reviewed it. The 3 credit bureaus need to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-04-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from XXXX. However, XXXX didnt send me my results. It has been longer than 30 days.
Consumer complaint received 2023-04-04
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I've tried to apply for a credit card through XXXX on XX/XX/19 and XX/XX/19 and they tried pulling my credit report from Equifax and then told me that there is no credit history showing for me. I then tried to view my credit report with Equifax and there is no existing file for me. This is odd because I'm able to check my score on XXXX XXXX, XXXX, and XXXX perfectly fine with accurate information. But for some reason Equifax has no file for me. I now have 2 hard inquires on my account because I applied for 2 cards through XXXX and got rejected twice due to not having a credit history from Equifax. I've tried talking to Equifax customer service multiple times and they have not been able to locate my file. I called XXXX and asked if they have been reporting my credit to Equifax, and they said that they have been for 2 years now. I've sent in verification documents to Equifax on XX/XX/19 hoping that they can fix this issue, but I have little faith that they are going to resolve this issue peacefully. Would be greatly appreciated if this issue could be looked into and resolved ASAP. Thanks.