davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

his letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-07-18
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. (DE)

I Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognizeXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX OF XXXX, XXXX XXXX NA, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC. (VA)

Tried to work with Santander consumer after bankruptcy. Before bankruptcy I was well ahead on payments had to file for personal reasons. Offered to keep paying just needed help and to prevent repo man from coming. They wanted me to pay with out insurance of repo man coming In an attempt to collaborate with Santander Consumer after experiencing bankruptcy, I recall that I was well-ahead on my payments prior to filing for personal reasons. I offered to continue making payments, provided I received assistance and could prevent the repossession agent from taking action. However, they insisted that I pay without any guarantees of the repossession agents absence.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX XXXX, via it's legal agent Midland Credit Management ( MCM ) is sending me harassing collection emails after receiving multiple cease and desist notices. They are also retaliating against me by refusing to discuss the alleged debt and their defamation of my credit worthiness. 
The company has plainly stated in several recorded phone calls that they will not discuss any of my concerns until they respond to a prior CFPB complaint. When I pushed and asserted that this was illegal, they informed me that because I have engaged the CFPB, they will not be able to discuss the debt or their FCRA violations until XX/XX/year>2024 The fraudulent information they are supplying to the CRA 's has directly resulted in multiple adverse action letters and denial of housing, and they are now claiming that I will have to endure this until XXXX. This retaliation is specifically prohibited in the FDCPA and FCRA. This abuse is now intentional and having a severe impact on my health and ability to manage my XXXX  XXXX  XXXX  and XXXX.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NJ)

i got a notice from TD Bank that they are closing our account without giving us any reason i contacted TD Bank customer service, the fraud department and visited the branch and no one can give me a reason why they closing the account and if there is away to fix the issue if there any
Consumer complaint received 2022-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (TX)

I called Sallie Mae to place my account in forbearance but the agent handling my case refused. He kept reinforcing that there isn't any options to postpone the payments. Meanwhile, the male agent begin to mock my tone of voice. Irritated, I asked to speak with his manager.

After being transferred to his manager, she restated that I don't have any option of putting the account in forbearance, because of some plan they unknowingly reenrolled me in. 

Initially, I agreed to a repayment plan for 6 months. The 6 months were up but I continued to pay down on my loan. Due to financial hardship I am now unable to pay, so i called to get repaying postponed, but they denied any form of helping me.
Consumer complaint received 2022-09-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I called Credit Acceptance on XXXX XXXX2022 for payoff quote it was up to XXXX XXXX2022. Total amount was {$9200.00}. I called for another quote to possibly extend it until XXXX XXXX,2022. That payoff quote was {$10000.00}. I asked representative why so much, she said she didnt know, she asked my mileage at that time just as the first representative did on first payoff. On XXXX XXXX2022 I called back credit acceptance, paid loan off over phone with a representative. They did 3 transactions of {$2500.00} dollars and 1 transaction of {$1700.00} and also charged my bank account {$9.00} for each transaction. At that time once it was completed the representative told me I would be getting a refund for vehicle service contract I had cancelled that same day. He told me I would get letter in mail and I should get most back because I never missed any payments and Im paying off early. I received letter stating I would be a cancellation refund of {$1700.00} dated XXXX XXXX2022. I called on XXXX XXXX2022 asking status of refund representative then told me I would be only getting {$95.00} back that they put it towards what I owed. I talked to supervisor she said the 2nd quote representative didnt ask me mileage I said you record your alls she said yes I said then listen to it because she did ask me. She said she wasnt changing it. I paid all interest, finance charges, rebate charges. And paid loan early I believe I should be paid full refund. I asked supervisor how did they come up with the amount of {$95.00} because that was my weekly payment.She had no right answer. I kept asking her I pay a loan off a year and half early never late, and all interest finance charges and they try give me a lousy {$95.00}. I said they are crooks.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is regarding my BoFA card ending XXXX which is premium rewards card and offer a {$100.00} credit annually for Airline Incidental Fee. This year I made two transactions for seat upgrade and baggage from XXXX XXXX on XX/XX/XXXX ( {$240.00} x 2 ) for which I didn't notice the {$100.00} credit. On XX/XX/XXXX, I contacted BoFA customer care to enquire about the missing credit. They submitted a case on my behalf but nothing happened and after a week I received a letter stating that they needed more information. 
I called the customer care again on XX/XX/XXXX and the representative told me that they wanted to confirm if the seat upgrade was purchase separate from the original airline ticket, to which I confirmed YES. I even gave a reference of two similar transactions from XX/XX/XXXX ( {$230.00} x 2 ) for which I did get the credit after reaching out to them last year as well. It was the exact same transactions, with the exact same airline and the exact same purchase for the seat upgrade and bagge. She created XXXX # XXXX and told that she mentioned about two transactions from XX/XX/XXXX too for reference of the representative who would look into this case. 
After again a week I received another letter that stated that transaction was not eligible for the credit since the transaction was part of the airline ticket and not separate. I called the customer service again today ( XX/XX/XXXX ) and the agent told me that he can not do anything since the case was already reviewed. When I asked him how did you assume that the transactions I am claiming were part of the original ticket and were not separate transactions to which the agent responded with no ownership saying " It's not me, it's the representative who reviewed your case has mentioned ''. I told him I have the proof from the airline which is the confirmation email of the seat upgrade package purchase for the transactions I am claiming for the credit that shows it was separate transactions not part of the ticket purchase. However, all they told me that they would put that on the case for the representative to review the case again but still did not ask me to share the proofs I have. I knew this is not going to be resolved based on my prior experience with BoFA and since I am planning to close this card because of all these issues, I want to get the credit before I do that and thus submitting this complaint. Hope you can help here.
Consumer complaint received 2022-08-31
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. (SC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of XXXX Violations with XXXX, Equifax and XXXX. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX XXXXXXXX XXXX XXXX XXXX Illinois. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to XXXX, Equifax and XXXX on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from XXXX, Equifax and XXXX regarding this matter.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of XXXX  Violations with XXXX, XXXX and TransUnion. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX  XXXX XXXX XXXX XXXX Illinois. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to XXXX, XXXX and TransUnion on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from XXXX, XXXX and TransUnion regarding this matter.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} XXXX XXXX XXXX XXXX. Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX  : {$220.00}
Consumer complaint received 2024-10-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (KY)

I attended college from XXXX. I was not informed by the school that I needed to request private loans until after I already moved XXXX miles into the dorms. Over my XXXX  years I took out {$38000.00} in private student loans through XXXX XXXX. Shortly after they were transferred to XXXX. While with XXXX, I attended graduate school. While in graduate school, XXXX gladly put me in forbearance without truly explaining to me what that meant. After exhausting forbearance they forced me to start paying, even though I didn't even make enough money to pay my monthly bills already. Even on " interest only '' payments, I couldn't afford them. I asked for more affordable payments. They said they were the lowest they could be. 

I struggled. I worked XXXX jobs, I didnt sleep... I have paid {$550.00} a month for years. I have paid well over {$42000.00} to XXXX, but still somehow still owe {$52000.00} ... on my original {$38000.00} debt. 

Not only have I paid back what I borrowed, but I have paid more. XXXX has never been willing to help or work with me. If I needed forbearance they would charge me {$150.00} to put it in forbearance even though the forbearance was because I couldn't afford my payments that they wouldnt change. 

I have paid back my debt and now my debt has been transferred to Mohela where the same XXXX is going to happen. This is a perpetual debt hall that has NO WAY of ending. This is disgusting and all started because the government forced students to use their parents income even if their parents were not assisting with college which made them ineligible for federal aid. 

After years of paying, paying well over what I borrowed, I still owe more than {$14000.00} more than what I borrowed because of predatory lending, predatory interest, and taking advantage of XXXX XXXX XXXX who never received financial education. So my complaint is against XXXX XXXX, XXXX Mohela, and the XXXX XXXX XXXX
Consumer complaint received 2022-06-24
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. (AL)

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 
15 U S.C 1681 SECTION 604A Section 2 : Also States a consumer Reporting agency account can not furnish a account without my written instructions. 
In accordance with the fair credit reporting act XXXX accounts # XXXX XXXX  dual card Credit finance via XXXX XXXX XXXX TransUnion consumer inte. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request Account Number : XXXX Date Opened : XX/XX/XXXX ________________________________________ Dear Sir/Madam, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this debt and requesting that you provide me with the following : 1. Proof that the debt belongs to me ( including the original creditor 's name and the total amount owed ). 
2. A complete payment history from the time the account was opened until the most recent transaction.

3. Verification of your authorization to collect on this debt on behalf of the creditor.

4. The exact loan type and terms of the revolving account, and whether it is classified as a credit card. 
Please cease any collection activities until this information is provided in writing and I have reviewed it for accuracy. Additionally, if this debt has been reported to credit bureaus, I request that you notify them that the debt is under dispute until validated. 
I expect a response within 30 days, as stipulated by law, confirming or dismissing the claim. Failure to provide this documentation will confirm that the debt is invalid, and no further contact will be necessary. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-24
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. (PA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. Addresses:XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX XXXX  XXXX XXXX  Filed on XX/XX/2016 XXXX