davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (NY)

VALIDATION AND CEASE AND DESIST SST XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account number : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear SST, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 



Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Full complete and correct social security number to help identify me as the correct person you are trying to collect from Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-21
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. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-21
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. (TX)

I am writing to formally complain about the inaccurate information on my credit report. Specifically, the Date of Last Activity, Date Opened, and Date Last Reported for certain accounts are incorrect. 

Despite my previous dispute, you have stated that the accounts were verified, but no changes have been made to correct the inaccuracies on my report. These errors are affecting my credit, and I request that you take immediate action to either : Correct the inaccurate dates on my report. 
Remove the inaccurate accounts from my report if the information can not be accurately verified. 
Please confirm that you have received this complaint and that corrective action will be taken promptly.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Despite having an extended security freeze between XXXX and XXXX, XXXX XXXX XXXX acted in a predatory manner by ignoring the freeze on my account and allowing an unknown person to take out a loan in my name. The company never contacted me to obtain my consent or requested a copy of my identification, something even libraries typically require. I contacted XXXX XXXX XXXX and, following guidance from the Federal Trade Commission, asked them to close or remove me from the fraudulent account. On Wednesday, XX/XX/XXXX, I spoke with a representative named XXXX. She was combative and refused to assist me. When I asked to speak with her supervisor, she claimed the supervisor was in a meeting, took my number, and stated that I would receive a call back within XXXX hours. I never heard back.
Consumer complaint received 2024-08-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (MS)

VALIDATION AND CEASE AND DESIST Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credence Resource Management, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XX/XX/year> Consumer Adjustment Co XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Subject : Final Request for Removal of Inaccurate Collection Account Account # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. There is no verification that I owe the debt. I would like for you guys to provide a verification of my wet signature to be sure I owe that debt. 
I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. 
Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
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. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
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)

My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to15 U.S.C 1666B The timing of payments creditors 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 XXXX  days before the payment due date. Please review these accounts for any violations of the fair credit reporting act. XXXX. ( XXXX XXXX account number XXXX ) XXXX. ( XXXX  XXXX account number XXXX ) XXXX. ( XXXX  XXXX Account number XXXX ) XXXX. ( XXXX Account Number XXXX  ) I would like these accounts removed if no evidence is provided that I was notified XXXX  days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX. ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2024-08-22
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$2300.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX  BALANCED {$0.00} XXXXXXXX XXXX XXXX  BALANCED {$21000.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (SC)

I am writing in response to your recent correspondence regarding an alleged debt in your possession. 
According to your communication, you claim that I owe a debt to Credit Collection Service. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. The original creditor 's name and contact information. 
XXXX. The original account number associated with the debt. 
XXXX. The date the debt was incurred. 
XXXX. The total amount of the debt, including any fees or interest. 
XXXX. Documentation establishing your ownership or authority to collect this debt. 

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights.
Consumer complaint received 2024-08-23
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. (CA)

I requested that TransUnion LLC to provide proof of authority to furnish XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX in which TransUnion LLC did not have my written consent and failed to provide proof of legal and lawful authority to furnish the accounts. Transuion also failed to update my personal information as requested. On XX/XX/2023 I had draft complaint regarding the accounts and invoiced them for {$1000.00} for each violation which totaled {$7000.00}. They failed to comply with the fair credit reporting act. I filed a complaint with the Superior Court of California, Case Number XXXX on XX/XX/2023 and after going to court TransUnion LLC Representative XXXX XXXX senior analyst legal operations , showed up and confirmed under penalty of perjury that the information was true and correct and they complied with the laws. Informing that the creditors had the rights to report the accounts so it was lawful. I opted out but forgot to bring my proofs for the courts. I ended up losing the case. TransUnion LLC representatives and executives officers acted recklessly when they failed to investigate properly and make sure the report was accurate and they the complied with all applicable FCRA/GLBA laws and procedures. I have attached proofs that I opted out of reporting my non public personal information to third parties and it shows that TransUnion and its employees failed to investigate and comply with the GLBA and the FCRA. They have and had no authority to report any of those accounts without my permissible purpose, and to disclose my private information without my permission. TransUnion representatives continue to report the fraudulent accounts, and has caused severe humiliation, emotional distress, mental anguish, and defamation of character. They failed to remove my old addresses and contacts. Which has caused me great harm because sending text messages or requesting to send anything to address or phone numbers that I no longer have puts my account at risk of being comprise as well as my private non-public information. Update my address as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, remove all other addresses on record, All inquiries should be removed from my consumer report they per 15 usc 1681. I have attached proof that I opted out with the creditors and they have failed to comply with GLBA and continued to disclose my private information. I also attached the complaint I filed with the local Superior Court of CA and they failed to comply.
Consumer complaint received 2024-08-22
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. (CA)

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and the business addresses of each individual whom you verified and validated the below information with, so that I may follow up accordingly. Additionally, Please send me an updated copy of my credit report after completing your investigation. 

Account Name : XXXX Account # XXXX REPORTED : XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-22
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. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$430000.00} XXXX XXXX {$46000.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$400.00}
Consumer complaint received 2024-08-23
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. (IL)

ON XX/XX/24 I sent Transunion, XXXX, and XXXX a dispute regarding the reporiting incorrectly of certain accounts and they have not fixed these errors after many letters sent to them. They have also sent me stall letters as well.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OR)

I have been trying to contact Edfinancial about my student loans for 2 months now. I applied to the SAVE program through studentaid.gov as soon as it was available in XX/XX/ and currently when I log into Edfinancial all it says is IBR for my loans and the amount is double than what it should be. 

First I've tried to call them, and the wait times have been anywhere from 4-12 hours. I don't have time to wait that long during the day since I have to work. Next I tried to use there automated call back system, but they never called me. Then I tried to send them an email, but never got a response. Then about two weeks ago I submitted a forbearance request because my due date was XX/XX/XXXX and I couldn't afford what the payment showed. 

My forberance request still hasn't been processed and I've never gotten a call/email back to date, and now I've missed my first payment. at this point I don't know what to do.