davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
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. (CA)

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 2024-09-08
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)

Victim of ID theft for past few years and have been battling to restore my name. I have filed Ftc reports and police reports ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ACOUNTS : XXXX XXXX Account number XXXX {$50.00} XXXX XXXX  Account Number XXXX {$1500.00} XXXXXXXX XXXX Account Number XXXX {$89.00} XXXX XXXX  {$130.00} XXXX Account number XXXX {$800.00} XXXXXXXX XXXX Account number XXXX {$8500.00} ( reinsertion ) XXXX XXXX Account number XXXX {$980.00} XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX {$1400.00} XXXX Account number XXXX {$350.00}, XXXX XXXX Account number XXXX {$1100.00} and XXXX {$0.00} XXXX XXXXXXXX Account number XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX {$0.00} ( reinsert ) This was not sent in error, not a material misrepresentation, and If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that i received goods or services.
Consumer complaint received 2024-09-08
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. (OH)

On XXXX I filed a complaint with the CFPB about inaccuracies on my credit report. I provided documentation from XXXX, XXXX, as well as TRANSUNION showing THE DEPT OF EDUCATION is reporting 1 account differently to the abovementioned companies causing me grave injury. I'm XXXX XXXX XXXX XXXX and without this misinformation being corrected I XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-28
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: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Integrity Solution Services, Inc. (TX)

INTEGRITY SOLUTIONS SERVICES is a third party debt collector. They are reporting info on my credit report that I owe them {$1100.00}. I have not ever dealt or even heard of this company. I do not have a contract with INTEGRITY SOLUTIONS SERVICES. I also looked on the  Secretary  Of State website to verify that they are bonded with the  SOS  and was not able to locate them.
Consumer complaint received 2024-09-08
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)

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/2020, I submitted a dispute to ChexSystems with evidence, proving XXXX accounts ending in " XXXX '' & " XXXX '' were paid in full. XXXX responded to these disputes stating these accounts were " unpaid '' and the receipts were illegible. Therefore, I resubmitted these receipts and contacted ChexSystems, and requested for these receipts to be re-presented again to XXXX. Afterwards, on XX/XX/2020, I inquired about status this investigation, and I was informed only one account " XXXX '' was updated to " paid in full. '' I have contacted ChexSystems several times, until XX/XX/2020 two more investigations were opened and as of today still no results. I do believe ChexSystems has thoroughly investigated because proof of receipt or paid in full status was provided twice. ChexSystems has refused to have a conference call with XXXX, therefore, I did not have a choice but to file a compliant.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Should be another way for government to credit scores and report due these on going problems credit reporting service I've tried to fix my credit report for the past year. inquiries on my account XXXX and XXXX times from the same company it to High information is not correct stuff should fell off.. I hired credit reporting attorney to resolve the situation and nothing has happened. No change no Increased on my credit report continue reading denied hi inquiry it's not fair. Wonder is the government has something to do with this because my credit report has not changed has not went over XXXX mark with paid off accounts c omplanyies bein aloud to file incorrectly with XXXX months l have has been accounts paid off in Full and accounts supposed to be removed, but still be remained
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Got frauded in XX/XX/2018 They caught the fraud told me then closed my account i sent them the stuff they asked for .It wasnt me .They never tried to comply. About whi did it just wear it was done on XXXX XXXX.from a  hacker .need this matter resolved so i can have my credit card back or new one sent.
Consumer complaint received 2024-09-07
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. (IA)

I have contacted this company XXXX a few times they responded back with a letter stating that they sold the debt to XXXX. I have also contacted them sending them debt validation letters and debt verification letters requesting that they validate this debt. 
I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Consumer complaint received 2020-06-27
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

4 loans from XX/XX/XXXX-XX/XX/XXXX have been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX in which was deferred as I was a full time student
Consumer complaint received 2024-09-07
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. (NY)

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing with TransUnion Credit Bureau since 2019 regarding account XXXX XXXX. This account was deleted twice for inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumer 's credit report, I am entitled to be notified within XXXX business days of the reinsertion. I have not received such notification, and I believe that this item has been reinserted improperly. 
This account has been reported as a charge-off since XXXX  2019. I have not received a 1099C from the company or the IRS stating that my account has been filed as a charge-off since XX/XX/2019. This account is also reporting a charge-off in XXXX  2019, showing a XXXX  in XXXX  2019 and XXXX  2019. This is very inaccurate and misleading information. 
This account is reporting the last payment was made in XXXX XXXX  2020 this statement is inaccurate information. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate information. Repeatedly reporting the same XXXX and Charge off as new violates has lead to a distortion of my creditworthiness. 
Additionally, according to 15 U.S.C. 1681e ( b ), you, as a credit reporting agency, are required to follow reasonable procedures to ensure the maximum possible accuracy in the information reported. The presence of these duplicate entries is a clear indication that this standard has not been met. 
15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The dates listed for my account do not reflect the correct information, which results in an inaccurate portrayal of my payment history. 
Furthermore, 15 U.S.C. 1681c places specific limits on the length of time that negative information, such as delinquencies, may remain on a consumers credit report. Reporting an incorrect date of first delinquency could result in unfairly prolonging the negative impact on my credit.
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American express has frozen all of membership points for no reason at all. I have called several times and they keep telling me it will take 6-8 weeks for someone at corporate to review my account. I believe they have " randomly '' picked me out just because of my XXXX name. I can not find another reason for them doing this.There is no reason that ALL my XXXX membership rewards point should be frozen and this includes all my membership points accumulated, going on for several years now. This should be illegal.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Got a letter in the mail inviting me to open a new checking account. 
After doing so, I got my debit card in the mail about a week after. 

After depositing my entire paycheck into the account, the very next day my account was suddenly locked and I can not access my money and no one will help me. 

Hey keep saying to wait for mail that will arrive in 5-7 business days, but I have bills to pay and can not wait an entire week to access MY ENTIRE PAYCHECK. 
Brand new account locked and they won't even tell me why.
Consumer complaint received 2024-09-07
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)

15 U.S. Code 1666b - Timing of payments ( 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.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Consumer complaint received 2016-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

My Husband and I complete FAFSA forms EVERY YEAR for our Parent Plus Student Loan and because of my husbands income we never qualified for any assistance. My husband has been on EVERY FAFSA and we originally began these Plus loans with XXXX. We have paid XXXX payments ( 10 years ) and as my husband is in XXXX we were told we qualified for this program ( If you are employed by a government or not-for-profit organization, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program ) When I contact Nelnet today they told me my husbands name is not on the loan????? We have never removed him from the loan. The FAFSA directed us to XXXX and his earnings were included in the loan determination, just as they were when we were REJECTED from receiving any assistance. This means after his 30 years of public service ( he is still in XXXX XXXX ) and our 120 months of 100 % on time payments, Nelnet is telling me he is not on the loan and we can not take advantage of this program? All of the debt we have incurred in our 34 years of marriage have been joint. Nelnet is the XXXX largest purchase in our married life ( Home purchase being 1st ) and now mysteriously he is not on the loan? Again, he is on EVERY FAFSA to reject any assistance and I am furious and will retain an attorney if this is not resolved. ALSO Nelnet charges interest DAILY on these loans. This is the definition of predatory lending. " Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions '' We still owe 50 % of amount of debt as when we started and we 've paid {$50000.00}. Nelnet is corrupt beyond belief and now that I have the time to examine their predatory lending it 's clear what they are doing to students and parents - robbing them blind!
Consumer complaint received 2024-09-07
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. (NJ)

I have been instructed to write a letter to you since I am a Survivor of XXXX XXXX 

I really need your assistance with this situation since I am trying to get my life back together after being involved in XXXX XXXX 
The Accounts that I put below are due to XXXX XXXX : Please remove these accounts so I can start taking steps to getting my life back. Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNTS FRAUD DUE TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX XXXX XXXX pursuant to section 605C of the Fair Credit Reporting Act as a result of Human Trafficking Debt Bondage, Trafficking Debt Final Rule. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.