davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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)

I am filing a formal complaint against XXXX, XXXX, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as breach of contract and deceptive practices. Despite having accounts with these credit bureaus and being promised daily updates to my credit reports and scores, my reports have been deliberately hindered for over 30 days. The bureaus have allowed inaccurate, outdated, and derogatory informationsuch as collections, fraudulent statements, and erroneous payment historiesto remain on my credit reports, which has severely damaged my creditworthiness. Despite multiple formal disputes, the bureaus have failed to correct or update this harmful information, in violation of the FCRA. 

Furthermore, my formal requests for verbal and written communication regarding these disputes have been ignored. Instead, I have been met with malicious tactics intended to delay compliance and avoid accountability. This stalling appears to be an effort to negate their responsibility under the FCRA and FDCPA. I have attempted to resolve these issues in good faith, including proposing arbitration as outlined in my contracts with the credit bureaus. However, their refusal to engage in meaningful communication has left me with no choice but to pursue litigation if this matter is not resolved as required by law. 

I am demanding immediate correction of all inaccuracies, as well as fair compensation for the harm caused, calculated based on each infractions duration and severity. Additionally, I seek damages for the emotional distress and financial injury resulting from their negligence and refusal to act. If these issues are not addressed promptly, I will have no option but to pursue legal action to protect my rights.
Consumer complaint received 2018-04-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (AZ)

In XX/XX/XXXXand XX/XX/XXXX I took out two federal parent student loans for my son 's education. Each loan was about {$25000.00}. I began making payments immediately at the level Mohela suggested was a minimum payment. I did this for many years. I finally realized the payments were never enough to cover the interest of the loan. Mohela never told me that. When I contacted them, they said I could bring the loan into a re amortized type of situation and make a fixed payment for 15 years and pay the loan off. I recently fond out that none of my new payment was being applied to principal and in fact didn't even cover the interest. 

So now after over 10 years of payments, I owe more than the original loan amount. My payments began at the {$350.00} per month level and increaswed up to over {$550.00} per month but not one penny has been applied to principal. I was very much mislead by Mohela to my determent and their great financial advantage.
Consumer complaint received 2024-10-17
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. (FL)

I did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked a copy of my credit report and noticed erroneous and inaccurate information on my credit report. These accounts are hurting my credit score and the ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX & XXXX XXXX XXXX XXXX There is inaccurate address that must be deleted from my credit report. My actual address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-10-17
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information Due to Human Trafficking Victimization Dear TransUnion, I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

I request the immediate removal or correction of the following Accounts and/or information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request the immediate removal or correction of the following Inquiry and/or information from my credit report : XXXX XX/XX/XXXX Attached to this letter are relevant documents that support my claim, including evidence of my status as a victim of human trafficking and any other pertinent documentation. 

As a victim of human trafficking, it is essential to correct these inaccuracies to avoid further harm to my credit and financial well-being. I kindly ask for your prompt attention to this matter and request that the disputed information be removed or corrected from my credit report as soon as possible. 

Please confirm receipt of this dispute and provide a written update on the outcome of your investigation. Should you need any additional information or documentation from me, please let me know. 

Thank you for your understanding and cooperation in resolving this issue. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-24
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. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (TX)

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.

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 2024-10-17
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. (PA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-17
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. (FL)

There are several inaccuracies on my consumer report and to address multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer laws. TransUnion has consistently failed to comply with these laws, and I demand immediate corrective action. 

Failure to Provide Notice : TransUnion re-added the Account Resolution Corporation collection account without providing the legally required five-day notice by mail. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), this account must be immediately deleted from my consumer report.

FTC Report : TransUnion has failed to comply with the information in my FTC Identity Theft Report, claiming insufficient data. I provided all the required information as allowed by the FTC form. Other agencies have adhered to my FTC report, yet TransUnion continues to ignore it. 
Collections Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have not provided a valid purchase agreement or chain of title/assignment of debt agreement to prove they have the right to collect these debts. Without these, I am not legally obligated to pay. Additionally, XXXX XXXXXXXX is not licensed to collect in Florida, yet the account remains on my report, violating FCRA standards for accuracy and fairness. 
Credit Card Late Payments : TransUnion has failed to remove inaccurate late payments on my XXXX  XXXX, XXXX  XXXX, and XXXXXXXX XXXX XXXX  accounts. XXXX has already corrected the statuses to " current '' in adherence to 15 U.S. Code 1666b ( Timing of payments ), which prevents creditors from treating payments as late when made on time. TransUnion must follow suit and correct these inaccuracies. 
Other Accounts : XXXX and XXXX have removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX report due to fraudulent, non-verifiable, or inaccurate information. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( D ), when one consumer reporting agency deletes an account based on fraudulent activity or non-verifiable information, the other agencies are legally required to remove the same information. TransUnion must comply and remove these accounts from my report. 
Unauthorized Inquiries : Despite multiple requests, TransUnion has not removed unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX, as they were not authorized by me. 
I have previously requested a detailed description of your reinvestigation process, which you have failed to provide. I have contacted the Attorney General and am currently initiating legal action because I am tired of wasting my time while TransUnion does whatever it feels like without regard for my consumer rights. 

I demand prompt correction of these issues and the immediate removal of the disputed accounts from my consumer report
Consumer complaint received 2024-10-17
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. (FL)

I am writing to formally request a credit sweep as I have identified several inaccuracies on my credit report that do not reflect my actual credit history. These inaccuracies are negatively impacting my credit score and hindering my ability to secure credit. I believe that these errors may be a result of outdated information or incorrect reporting by credit bureaus. 

You are requesting a credit sweep to address inaccuracies or outdated information on your credit report that may be adversely affecting your credit score. This process aims to ensure that your credit report accurately reflects your credit history and financial behavior, thereby improving your chances of securing loans, mortgages, or other financial opportunities.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

Submitted a student loan payment of {$540.00} on XX/XX/29 and within the same day Ed Financial reversed the payment and only kept {$140.00}. Making me accrue interest. Upon trying to speak with them you cant get to customer service ever, and if you look up this issue you will see Ed Financial often does this to individuals in a shady business practice kind of way.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

The company is unable to provide any loan payment history, nor the total principal balance of the loan at the time of loan payments started ( i.e., when I graduated ). 

My credit score declined due to " Edfinancial balance increased {$18000.00} between XX/XX/XXXX and XX/XX/XXXX '' which is impossible because I have been out of school since XXXX, regularly paying the full monthly loan payment amount, and have not borrowed a cent more since prior to graduation. 

I do not want my loans to be handled by a criminal organization like Edfinancial. It's unacceptable that they are unable to provide an accurate history of my loans.
Consumer complaint received 2024-10-17
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 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-17
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. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sentry Credit, Inc. (PA)

To whom it may concern, This dispute has to do with a past dispute with XXXX XXXX. After receiving the information from XXXX XXXX regarding an alledged debt of {$6100.00}, I reached out to XXXX XXXX directly to discuss a settlement and then they notified me that my account was taken over by Sentry Credit, which I received any notice of this. Even the letter that was received through the XXXX  with my last dispute with XXXX XXXX did not state anything about selling the debt to a debt collector. 

Also, as you can see attached is a copy of my credit report from my mortgage lender, and it shows that XXXX XXXX is the one reporting on my credit, not Sentry Credit. How am I able to settle a debt with a collection agency that is not even listed on my credit report? In this situation, I would have paid Sentry Credit and XXXX XXXX would still report to the credit bureaus, which is wrong. Also, the credit report is stating the debt is {$6100.00}, not {$6100.00}. 

Lastly, as I stated in my last dispute, that XXXX and XXXX recognized this as a invalid debt and removed/deleted XXXX XXXX from my credit profiles so XXXX should do the same. 

I believe that Sentry Credit, XXXX XXXX, and XXXX are violating a few different laws here. I just want the resolution of this XXXX XXXX account to be rightfully deleted/removed from my XXXX credit profile so I can move forward and close on my house which the date is supposed to be XX/XX/26, but I can't move forward without removing/deleting this account from my XXXX credit profile. Please help me resolve this situation as soon as possible. 

Thank you! 

Best, XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Amount : {$6100.00}
Consumer complaint received 2024-10-17
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. (NJ)

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 2024-10-17
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)

I need your help with the inaccurate account showing on my credit report. I brought this to your attention because its affecting my reputation as a customer. These accounts are reported wrongly and need to be taken off.