davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
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. (NV)

To Whom It May Concern : I recently received a copy of my TransUnion, XXXX and XXXX credit report, and I noticed some late payments posted on my credit report Account Name : XXXX  XXXX Account Number : XXXX Inaccurate payment history : XX/XX/year> On XX/XX/XXXX TransUnion reported my XXXX  XXXX account as 120 days late, as well as XXXX. I noticed that on XXXX my credit report had a 150 day late payment date. As well as Transunion and XXXX not reporting anything at all. 

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Their company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did not give written instructions to furnish this late payment on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include.

( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : and the person making the report ; I Want you to reverse this payment on my consumer report, to on time paid as agreed this agency is in violation of 15 USC S1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of Character ( per se ) 2 ) Negligent Enablement of Identity Fraud XXXX 3 ) Fair Debt Collections Practices Act 15 USC $ 1692g violations 4 ) Fair Credit Reporting Act 15USC s1681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance s616. Civil liability for willful noncompliance [ 15 U.S.C. 168 in ]
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This morning, I was horrified to see inaccurate accounts listed on my credit report, and I cant figure out why this has happened. When I reviewed my report, as I do regularly, I was shocked to notice discrepancies that seemed to appear out of nowhere. I even tried refreshing the browser to check if it was just a technical glitch, but unfortunately, the inaccuracies persisted. I am urging a thorough investigation of the documents Ive submitted so that this problem can be fully resolved and never happen again.
Consumer complaint received 2024-11-20
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 notify you that I am a victim of identity theft resulting from a data breach, and my personal information has been compromised. As a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file. 
Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-20
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. (MO)

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. This is a Notice to Arbitrate if we can't come to a fair resolution in reference to XXXX XXXX XXXX reporting 's then i'll file full Arbitration. I'll have my proof of claim attached below and marked up consumer reports showing the many violations on the reporting 's. I expect a response within 5 business days considering I have done multiple complaints about this matter.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

In XXXX, I signed up for Auto Pay with EdFinancial, my XXXX loan servicer. They advertised the auto pay option as a way to get a 0.25 % interest rate reduction. I enrolled and received a confirmation email that the auto pay would start on XX/XX/XXXX. However, not only did I not get an interest rate reduction, no payment was made on XX/XX/XXXX, leading my loan to become past due. I just paid it off, but am unsure if I have been charged any late fees, despite the fact that it was my loan servicer 's technical error that caused the issue. I have set up a new auto pay for XX/XX/XXXX, but am unsure if it will work this time. I have contacted them about the issue but due to high call and email volume they have not yet responded.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, I did dispute them with equifax and they stated that they would not remove and claimed there " factual records on file '' I provided them with the police report as well the extended fraud alert, I have on my credit rerportFraudulent Inquiries -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX, XXXX XXXX XXXX/XXXX/2015XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX XXXX/XXXX/2015XXXX XXXX , UT XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been disputing the same accounts for the past couple months which have been coming back as XXXX. I received a letter in the mail ( attached to complaint ) from XXXX XXXX XXXXXXXX stating that my information was leaked in a data breach around XXXX ( around the time I began noticing fraudulent accounts appearing on my report and started disputing them ). I submitted an ftc report with the data breach information already ( also attached ). Under 15 USC 1681i ( a ) ( 5 ) ( A ) you MUST REMOVE all fraudulent accounts listed below which under 15 USC 1681i ( a ) ( 1 ) I have the right to dispute all inaccurate information.XXXX XXXX bal {$XXXX}, XXXX XXXX {$XXXX}, XXXX XXXX {$XXXX}, XXXX XXXX {$XXXX}
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MN)

I received an Escrow Shortage notice via mail from Chase Mortgage. I was not credited for {$200.00} to my escrow account for XXXX 2015. My escrow payment comes directly out of my house payment each month. I have called numerous times and spoke with XXXX different people at Chase regarding this. Supervisor XXXX XXXX said I was correct and their statement was inaccurate. She then called me back 2 days later and said she made a mistake and would send me the appropriate paperwork. I have not received anything further and I left a message for her on XXXX/XXXX/15. She has not returned my call.
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

My partner and I lived at the XXXX XXXX XXXX ( operated by XXXX XXXX ) from XX/XX/XXXX - XX/XX/XXXX. During that time there were many building violations ( i.e. no hot water ) and we received incorrect and/or late leases, often the building trying to charge us for amenities we did not sign up for. There were numerous building managers coming and going, and sometimes there not being a building manager there at all.

We always paid rent in full and on time for the four years we lived there. We gave 30 day notice before moving out ( which is acceptable by the Below Market Rate Program we were in ) and had a written agreement as to what would be deducted from our security deposit. Not only was the remainder of our security deposit NOT returned to us, but the management company decided to charge us for rent AFTER we moved out. We refused to pay ( wrote them to say this was incorrect ). XXXX refused and sent it to collections. We have been harassed by the collection agency and it has also negatively impacted our credit score. XXXX has done this to many people and there are several lawsuits and complaints against them. 

We have been battling this for many months now. We reached out to the XXXX 's office and contacted the XXXX XXXX XXXX 's office who tried to negotiate a mediation with XXXX. XXXX refused. We sent an email to the collections agency in XXXX to let them know this is incorrect and illegal. The collection amount ( with interest ) is now up to {$770.00}, per an email sent to us XX/XX/XXXX. 

We have more copies of emails which contain our names and personal info. Please provide a safe place to submit these documents and we will.
Consumer complaint received 2024-11-12
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12
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)

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : 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 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have sent multiple personal update letters from XXXX through XXXX, requesting that my personal information be updated to reflect only one name and one address. The credit reporting agency has not updated this information nor responded to my letters, despite my verification of one name and one address. 

XXXX reflects the correct name and address, and I have provided a copy as proof.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2024 I was informed that I had an XXXX XXXX infraction in XXXX. This infection took place XXXX plus days prior to them contacting me. The {$3.00} charge had skyrocketed to {$100.00}. The next day I contacted XXXX. They indicated that this bill, was now in collection because it was more than 90 days past due. I indicated that the bill was never received and that it was late at night and was not aware of the XXXX XXXX XXXX and that I was willing to pay a late fee but not {$100.00}. I filed a complaint with them and did not think any more about it. On XX/XX/2024 I was contacted by an attorney and he said he was trying to collect the now {$100.00} debt. I am willing to pay a small late fee but not {$100.00}. That is extortion. Please help. 

Reference # XXXX Account # XXXX XXXX  License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

Navient is XXXX of the worse companies to work with. I have contacted them many times to try and work out an affordable payment plan. Each time I spoke to a representative no wanted to work with me and now my account is in default. I have continued to reach out to them to try and work out an affordable payment to no avail. Now I 'm on the hunt for a lawyer. I pray that some how I can find a solution before this situation gets worse. I 'm a XXXX and I make under XXXX per year. Nevertheless, they want my whole check.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (MN)

North Shore Agency , LLC, still has not submitted the proof of payment, I sent to them from my bank, XXXX XXXX XXXX for the payment of {$270.00}, I supposedly owe to the original creditor, XXXX XXXX. Review Consumer Financial Protection Bureau Complaint : XXXX.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and Equifax but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.
Consumer complaint received 2016-03-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: D&A Services, LLC (MI)

The action of the debt collector is on a expired statute of limitation greater than XXXX XXXX XXXX. The debt collector acts as fourth party to collect debt, originally XXXX, then XXXX XXXX ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX XXXX XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector D & A Services seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd (AR)

Our XXXX company is being harassed by Brown & Joseph , LTD to pay liability insurance costs that have already been paid. Their client failed to initially contact us regarding the matter, but instead contacted our insurance agent 's assistant via email. That person retired, so the emails were n't being read. We never were contacted about the problem, until it was turned over to this collection agency, Brown & Joseph, LTD ; and then that contact was not to us but rather the insurance agent who was overseeing the assistant who retired. In fact, we never received any correspondence until we complained of not being personally contacted. Joseph & Brown, LTD has refused to give us a sufficient explanation/ evidence as to why we owe their client additional money, even though we have asked. We have given them all the documentation they have asked for, but they refuse to send us a breakdown/evidence as to why we owe this money. We are willing to pay what we owe, but only what we owe, if we are given the proper reason/breakdown/evidence as to why we owe the ADDITIONAL money. The representative for this company has used threatening language and tone ( going to go to court, etc. ) and even hung up the phone on my husband twice. The tactics and lack of initial communication regarding this matter is shameful.
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Renton Collections Inc. (WA)

Hello, I would like to file a complaint against the Renton Collections Inc. XXXX XXXX XXXX XXXX XXXX WA. I have notified this agency multiple times both by phone and mail not to contact us regarding our debt with XXXX Hospital. Today they contacted my wife at her place of employment. When my wife spoke with them today they again refused he direction not to contact her at work. They refused provide any information regarding the debt. I called and spoke with XXXX XXXX who said she was a manager. I explained to her that I have notified them several times not to contact us as we are working with the medical group directly. She then became abusive and refused to provide me with her supervisors contact information. I indicated that they have again violated the FDCPA by contacting us.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7.XXXX ( XXXX ) This account was disputed and never verified pleae delete.
Consumer complaint received 2015-06-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (NJ)

I cosigned a loan for my daughter who lives XXXX. Citibank was not sending statements or correspondence regarding this loan. When my daughter called to make a work out because she does not make enough money they denied her request. We made numerous attempts to work with them for a better payment plan with their suggestion. They would have us submit everything then say she was not eligible. We spoke to them in XXXX of 2015 and said we would pay as much as we could each month and hope to consolidate the loans, they said we were NOT in danger of default as money has been paid. Last month we received a letter from a lawyer saying the loan was charged off. I am the cosigner and was never notified or given a chance to bring it current for my daughter. I have contacted them via phone and letter ( see attached ) they have been rude and unwilling to discuss this with me, only stating that a letter was sent. They can not provide any information as to how the letter was sent and why I was n't notified. They only informed us that they do not negotiate with students that live XXXX. I am the cosigner living in the US and they would not assist me but are damaging my credit. I cosigned in good faith and the bank did not notify me of any issues with the loan. 
I have sent letters to Citibank which all went unanswered, when I phoned to inquire I was told there is nothing the bank is willing to do. I have a payment history and have been making payments which I thought were in addition to payments they were receiving which would have reduced the interest. Since Citibank has failed to notify me as the cosigner they did not give me the option to assume the loan as I committed to. I 'm very upset with the lack of response and support. More than XXXX has been paid on this loan, it is not as if this loan was ignored. I should have been notified.