davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

For years I have reaching out about how to make payments to my Navient loan ( s ). I learned that payments were only made to select loans and I found myself delinquent in others - even though I was paying the amount assigned monthly. I was constantly trying to get clarification form customer service. Constantly harassed with notices threatening to put my account into delinquency. 
Since XXXX, I was regularly informed that if I could n't make the payment assigned to me that I should apply and renew deferment/forbearance. At times lowered adjustments were offered but still above what I was able to pay- I was made to believe that what I had to offer was not acceptable and I needed to apply for deferment/forbearance in order to not ruin my credit. Unfortunately, in XXXX I was diagnosed with XXXX XXXX and underwent a XXXX XXXX extending the deferment/forbearance status. 
If I had been able to make payments I could afford I could have avoided the accumulation of additional debt and perhaps lowered my monthly payments. 
Today, I called to say that I could start making payments towards my loan and they again said that they could n't accept this payment, instead insisting I pay more than I can afford in my current hardship. Now they are suggesting I pay double of what I can afford and again put 2 loans into deferment/forbearance. I escalated my concerns to 3 different people until a supervisor after much " calculation '' suggested I apply for a direct loan consolation and a pay as you earn graduate income based repayment. I asked if this was a new option and he said no - it has been around for a few years. I was shocked to know that they had n't counseled me sooner. He said it was almost guaranteed that I would be approved. It 's unbelievable that six years have passed - I am a XXXX XXXX XXXX for children with XXXX and low income communities- and as I dedicated myself to service, I could have been paying towards my balance and working towards forgiveness. I feel robbed of my financial well being. Now I face medical bills that surpass my student loan. I will never climb out of this financial hole. I feel deceived. It is depressing. 
I have renewed my deferment/forbearance for 2 of my loans, paying double of my affordable contribution, awaiting my consolidation application with direct loan. I 'm learning about Navient 's deceptive and irresponsible practice today. It 's disgusting.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-10-30
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)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX***, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, and XXXX XXXX XXXX**** have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

Debts is being in my credit report since 2013 and original amount is not {$1100.00} they being increasing amount and trying to collect amount not owned and not willing to negotiate. They Often reported it to credit bureaus and make vey hard to get qualified for new credit opportunities and rebuild my credit history.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I pulled my credit report on XX/XX/2018 and noticed some collection accounts that I have never heard of before. The collection company in question XXXX XXXX XXXX claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XX/XX/2018 via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Consumer complaint received 2018-11-01
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: EQUIFAX, INC. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home XXXX COUNTY EMPLOYEE
Consumer complaint received 2024-11-07
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. (MS)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-11-01
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. XXXX XXXX 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 2018-10-30
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: EQUIFAX, INC. (MS)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..CFPB please step up and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-11-07
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. (NV)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX 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 in XXXX, XXXX, AND XXXX to be removed. 

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. 

XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-11-07
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. (KS)

" 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-11-05
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. (FL)

RE : XXXX Block Request I am a victim of XXXX and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$6200.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$2900.00} Account Name : XXXX Account Number : XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$5900.00} Account Name : XXXX Account Number : XXXX Balance : {$15000.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2018-01-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACS Education Services (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent several dispute and investigation letter requests along with phone calls to XXXX XXXX Transunion explaining to them that the charge off debt to XXXX XXXX XXXX is not valid. They never responded within a timely manner nor did they provide a reason for keeping this inaccurate information on my credit file.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

On XX/XX/XXXX I checked my XXXX banking app free credit report check and found that my score had dropped over 40 points. I then requested an official credit report from XXXX  and found that XXXX XXXX XXXX had created a new collection item on my credit report. This was my first time ever hearing about this. I never received a phone call. I never got a letter to my house ( XXXX XXXX XXXX, XXXX XXXX MI, XXXX ) which I recently moved into on XX/XX/XXXX. No communication came to me of this new collection entry on my credit report. The collection they are claiming I owe is a false claim and I would like to fix this inaccuracy. 

The collection claimed that my account # XXXX was from the original creditor " XXXX XXXX XXXX  ''. On XX/XX/XXXX, I called XXXX XXXX  and spoke with a representative. She confirmed that none of the accounts that were associated with my name had ANY outstanding payments or balance. In fact, she told me that my payment record was perfect. She also told me that both her and her supervisor had never heard of XXXX XXXX selling debt to XXXX XXXX XXXX 

I sent a letter to XXXX XXXX XXXX asking them to inform me of the exact details of the debt that they claimed that I owed. This had been suggested as the best course of action from many sources. 

Please let me know if you need any other information from me and I would be happy to give it to you with great haste. 

Here are the details of the collection entry found on my credit report. I claim that this information is not accurate or true : Account Name : XXXX XXXX XXXX  Account # : XXXX Original Creditor : XXXX XXXX XXXX Account Type : Factoring Company Date Opened : XX/XX/XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated : XX/XX/XXXX Balance : {$220.00} Balance Updated : XX/XX/XXXX Original Balance : {$220.00} Past Due Amount : {$220.00} Terms : 1 Month Responsibility : Individual Contact Information : XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Payment History : XX/XX/XXXX - Failed to Pay XX/XX/XXXX - Failed to Pay
Consumer complaint received 2024-11-07
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)

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-11-07
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. (CA)

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.
Consumer complaint received 2024-11-07
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. (MS)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Loans were taken out under names attached to my SSN. Amounts of {$17000.00} and {$14000.00}, {$500.00}, {$1500.00}. These were not taken out by me and I have notified my bank. Currently my credit has taken hits from these false loans.