davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-28
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. (NM)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
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. (NC)

Company provided false information to my credit report. I have been a victim of identity theft and request account be removed from credit report per 15 U.S.C 6802 of the Fair Debt Collection Act ( FDCPA ) and FCRA laws.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (FL)

Had a newspaper subscription for one year paid in full at the beginning of the subscription. When it expired I told them I was not renewing. The paper continued to be delivered for a few weeks then stopped. Two months later I start getting phone calls and letters from A.R.M. Solutions telling me I owed them money for the paper AFTER the subscription expired and AFTER I told them I was not renewing. They want {$59.00} or they will ruin my credit!
Consumer complaint received 2024-10-28
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-28
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. (GA)

This is my NUMEROUS 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 items. 

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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Collection Services, Inc. (OH)

Getting repeated/frequent calls from XXXX number. Finally answered today. A lady stating she was from RCS in XXXX Ohio asked if I was " my name '' and I told her yes. Then she wanted me to verify my address and wanted to verify my date of birth. All she would tell me is she was from RCS in XXXX. Kept pressuring me for the information. I told her I don't give out personal info on phone to strangers. She kept insisting and wouldn't tell me what it was concerning. I told her to try someone else and hung up. I searched RCS in XXXX and found a Regional Collection Services in XXXX Ohio. Since I am not past due on anything I owe I am not concerned and thought I should submit this. Thank you.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$3400.00}
Consumer complaint received 2024-10-28
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. (GA)

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$4600.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$22000.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$24000.00} Additionally, I would like to address the following inquiries associated with my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Earlier this month i received an email from XXXX that my personal information has been compromised due to a data breach, this information included my name, social security number, date of birth, address and phone number. they gave me identity work to use for XXXX year. i decided to purchase my first set of credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to find out that i have been a victim of identity theft for a long time. apparently. these criminals somehow find my personal information and changed my phone number and address and got XXXX credit cards from XXXX  XXXX XXXX, since I was not aware of these accounts, they both account got charged off and i do not know if they been sent to collections or not. i immediately contacted credit bureaus and told them about these unauthorized accounts and they instructed me to file a police report and a report on this site identitytheft.gov. Please help me to resolve this stressful situation, thank you
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XX/XX/XXXX late payment XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, HI XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2024-11-06
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)

Im reaching out for assistance with the false account shown on my credit report. This issue has harmed my reputation as a customer, and I require your help. I want these accounts removed as they are incorrectly and negatively reported.
Consumer complaint received 2024-10-06
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. (MI)

On XX/XX/XXXX I asked the company to block out this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act and to send me a notification of the act taken on my behalf. The information was not blocked within the 4 business days and still remains on my credit.
Consumer complaint received 2024-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (WI)

I kept getting bills from a XXXX XXXX  in XXXX XXXX. I do not live in XXXX XXXX nor have I recently been in need of medical attention. The bills states that I owe for a hospital visit in XXXX, but I havent been to a hospital for treatment at all this year. XXXX XXXX transferred my bill to RStrat and now they continually send me mail saying I owe them money. This bill is now affecting my credit score although I know for a fact I do not owe anything since I havent been to the hospital recently.
Consumer complaint received 2024-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NV)

I took out a loan for {$5000.00} through Affirm to pay for services that were not rendered with XXXX XXXX XXXX ( XXXX XXXX ). This company needs to be investigated for fraud and scamming because they have not provided any services. They have inconvenienced me time and time again to drive 30+ minutes to their office for nothing to be done, then they turn around and tell me that everything could have been handled over the phone. I have been getting the run around from XXXX regarding a refund for both the XXXX XXXX and funds ( {$750.00} ) that were given to start an LLC for a business. XXXX stated he contacted XXXX XXXX regarding the refund and sent a screenshot of the dispute. I contacted Affirm twice to dispute the charges but the options they had did not apply and I was denied. I was told to send in screenshots, I have messages stating I will get the refund, but it has yet to happen. I am a XXXX veteran and thought I had found a reliable company that had integrity to help me with my claim, but it has been nothing but lies. I had an old employee ( XXXX ) reach out to us from XXXX XXXX XXXX stating she is no longer with the company, and she can not legally tell us what is going on, I am concerned that this company is scamming veterans for their hard-earned money and Affirm is doing nothing about it. I requested the CEO of XXXXXXXX XXXX to contact me regarding my refund for both XXXX XXXX and the LLC fees but have yet to speak with him. Yesterday I was told to come to the office for my refund ( I paid the {$750.00} in cash ) only to get there and the doors were locked and closed. I was told yesterday I would receive a wire transfer for the {$750.00} and they would contact XXXX XXXX but that has not been done either.
Consumer complaint received 2024-10-28
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)

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit. 
The accounts and public records in question are as follows : XXXX XXXX XXXX Bankruptcy Account XXXX : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Bankruptcy Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Account XXXX : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Bankruptcy Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I took a student loan out for my child to attend XXXX XXXX  in XXXX XXXX which she started on XX/XX/XXXX. The school received a student government loan for {$10000.00} on XX/XX/XXXX and {$2700.00} on XX/XX/XXXX. My child withdrew due to medical issues on XX/XX/XXXX however on XX/XX/XXXX another draw of student loan was sent for the second half of the school in the amount of {$10000.00} on XX/XX/XXXX and {$2700.00} on XX/XX/XXXX. The school refunded the total amount of {$12000.00} In XX/XX/XXXX, I received and email stating that it is time to start paying back my loan, no problem, except the balance is showing to be {$21000.00}. 
I called the school, XXXX XXXX, and I was told by them that I had to speak to the loan processor which is Mohela, they would need to correct that. I call Mohela and was told that they don't correct that on their end, that I needed to go to the school. So now, I personally go into the school and they tell me that whomever is telling me this at Mohela is incorrect and they gave me a ledger to show proof that the money was refunded. I copied the ledger and sent a letter to Mohela letting them know that I went into the school and they are showing the money as being returned and that Mohela needs to correct it and that I will not be making any payments until the balance is correct not only on my bill but also on my credit ( this balance of XXXX XXXX also effects my creditability ). Getting nowhere, I call the Federal Student Aid gov and I am told that it is in fact, Mohela that needs to correct the matter and they have been getting a ton of complaints about Mohela and suggest that I file a complain with them ( case # XXXX ) and with Consumer Financial Protection Bureau as this has been epidemic in nature when dealing with Mohela. I have also filed a complain with the Federal Trade Commission as they are reporting fraudulent information on my credit, dismissing my requests as " not their problem '' ( case # XXXX ). This is disgusting to play these games with consumers and fraudulently try to get them to pay on a debt that is incorrect especially when you show them proof and everyone else is saying it is their responsibility to correct.
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Select Resource Group (MO)

I continue to receive calls from a company identifying themselves as SRG. They have advised me it is for a debit for credit card to XXXX XXXX. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.