davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
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)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. I am a victim of identity theft due to a data breach, and the accounts and inquiries listed below were not authorized by me. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent information removed. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$80000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$52000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-09-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (NJ)

I received a letter dated XX/XX/XXXX from Capio Partners with notice of debt related to a balance due from XXXX XXXX XXXX date of service was XX/XX/XXXX. I called to try and obtain more information as I have not had any communication from XXXX XXXX XXXX and was unaware of any balance owed. She immediately asked how I would like to arrange payment or they will report my debt to the credit bureau. I advised her that I have XXXX checking accounts and as this matter is aged, I am not sure whether I had already paid this balance and it would take time to research. She referred me to the Client rep, representing XXXX. I call that number and basically received the same notice that if I do not provide proof within a certain timeframe, they will report me to the credit bureau. Especially, since two years have transpired before I received any notices in this regard. 

I feel this is unfair collection methods.
Consumer complaint received 2024-11-19
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. (SC)

I am writing to formally notify you that I am a victim of a data breach and that fraudulent accounts have been opened in my name without my consent. As a result, I am requesting that all of the following accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$140.00} XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00}
Consumer complaint received 2024-11-19
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 consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1700.00} Late Payment : XXXX XXXX XXXX XX/XX/XXXX {$510.00}
Consumer complaint received 2024-11-19
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (FL)

I will attach a copy of the letter I am sending them but this is in fact the second or third time I have attempted to resolve this with them. They are charging me an interest rate that is illegal in my state. Last time I filed a complaint against them they ignored it.
Consumer complaint received 2024-11-19
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. (VA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-19
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. (TN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-11-19
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)

I am filing this complaint because TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 ( 1681i ). 
On XX/XX/XXXX, I received a credit report from TransUnion, reference number # XXXX, which includes an account from XXXX XXXX XXXX XXXX  ). While the account was marked as " updated, '' significant discrepancies remain unresolved. These inaccuracies negatively impact my credit profile and compromise the integrity of my credit report. 
The following discrepancies have been identified : Date Opened : Inconsistent dates. TransUnion reports XX/XX/XXXXXXXX while XXXX and XXXX report XX/XX/XXXXXXXX 
High Credit Amount : Discrepancies in the high credit amount. TransUnion and XXXX report {$2600.00}, while XXXX reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. TransUnion and XXXX report {$2500.00}, while XXXX reports {$0.00}. 
Payment Status : Differences in the " 60 days late '' status reported across the bureaus.

Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. TransUnion reports XXXX while XXXX and XXXX report XX/XX/XXXXXXXX 
Date of Last Payment : Variation in reported dates. TransUnion and XXXX report XXXX while XXXX shows XX/XX/XXXXXXXX 
Despite these discrepancies, TransUnion has failed to : Provide a detailed description of the procedures used to verify this information. 
Identify the name, address, and telephone number of any person or entity contacted regarding this account. 
Present any documentation bearing my signature to validate the reported information. 
Additionally, TransUnion has relied on automated systems, such as e-OSCAR, for verification, which is insufficient for a thorough reinvestigation under the FCRA. I also filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this matter, identified as FTC Report Number XXXX, to further document TransUnions non-compliance. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and causing significant stress and financial hardship. TransUnions negligence has created barriers to accessing financial products on fair terms, undermining my ability to manage my finances effectively.
Consumer complaint received 2024-11-19
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. (AZ)

There are inaccurate charge-offs and late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtedness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer credit report. Since this charge-off and late payments represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

BOTH instacart & shipt have charged me each {$99.00} for yearly membership. I DID NOT authorize this. Chase bank has REFUSED to dispute these charges. I was told I had to contact the company ONLY. I also have a problem with XXXX and they were not able to tell me if the payment I want to cancel is by card or check. The phone is one month old and in their attempt to fix it the made the problems worse. I am XXXX years old and its my only phone, and, I don't have a car. If anything happens I am stranded. Chase will not do anything about my problems with them. IF they allow the payment to go thru it will cost me over {$420.00} - which I can not afford. Apparently Chase doesn't know what its doing as far as I am concerned. 
I am also including a charge from XXXX  for my FREE credit report.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$530.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Years ago I attended XXXX XXXX University for XXXX XXXX for less than XXXX semesters. Since then I realized the school lied about job placement and ultimately decided to attend XXXX college instead after racking up an overwhelming amount of student loan debt. In between that time I put my loan on foreberance. I recently became unemployed and have not attended college in over a year. I 've spoken with Navient and informed them of my situation and that I can not make payments. Their continuous harrasment has become impossible to deal with ; they call my cell phone night and day ( sometimes past XXXX ), they have contacted my old place of employment, they call my mom ( the co-signer ) all through out the day including late at night ( XXXX ). Every time I try to workout a payment plan they expect me to make payments I can not afford ( over {$200.00} ). I can not afford those payments so my only option is to default and continue gaining insane interest! The school that I acquired this debt for- XXXX , in my opinion, took advantage of my situation. I was he dropout child of an XXXX, my family never attended college, and they did not have much knowledge of loans and debt tied to private student loans. We were told that " fashion merchandising '' was a great career choice in XXXX Florida, there would be job placement, and that the graduating rate was 100 %. My mother reluctantly agreed since she thought this was a real University and that I would have a chance at a career. After less than XXXX semesters I spoke with XXXX in the program who said hat graduates they knew never got job placement and were so in to debt they had to drop out. I made the decision to leave XXXX by in still paying for it. I want help on lowering my loan to something affordable and realistic and I would also like to know my options regarding the legal issues and circumstances regarding instances like mine.
Consumer complaint received 2018-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Vermont Student Assistance Corporation (VT)

Hello! 

This is a short complaint and may mirror many other complaints concerning the APR on repaying student debt. 

I did forbear my loan now and then when my wife was in law school. This was many years ago and now I am turning XXXX and still have XXXX of my original XXXX to repay. 

I have paid the Vermont Student Assistant Corporation ( VSAC ) over 30K in interest since I graduated in XXXX. 

My fixed high interest loan pays more to the high rate per month than what goes on the principle amount. 

In XXXX, I paid over {$5800.00} in interest on my loans. 

I have complained before and only got a phone call from a worried VSAC about the complaint. The conversation did not lend any help. It was, instead, management at VSAC again blaiming me while I pay more than my monthly payment per month. 

The management was not able to assist in any manner. I asked that they assist in lowering the already front loaded high rate. No answer. I asked if they would help me since I am a XXXX employee, but I make too much to qualify for income based, 10-year repayment. 

I expect this complaint will be met with the same uncaring, inept managers that are covering their bottom line and hold on to me as long as they can. VSAC is no longer a lender, and appear to be less able to assist than they did back when they were a lender. 

My Senators and Congressman 's office all agree and contacted the Department of Education for me. Further, they assured me that they are drafting ways to help graduates pay for the high interest, front loaded loans. 

At this rate I will most likely carry school debt along with me when I retire. 

Thank you XXXX XXXX
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP (UT)

On XX/XX/XXXX I purchased " XXXX XXXX XXXX XXXX XXXX XXXX for 5 Users, XXXX, Download ( XXXX ) '' from XXXX. I installed the software on a couple of computers and realized that I needed to purchase an additional license so I would have 6 users. 

I contacted XXXX  and they told me that I could not add an additional user to the license that I had already purchased. They said that I must purchase a new license ( for 6 users ) from them and that XXXX would give me a refund for the 5 users. I purchased the new 6 user license from XXXX and they told me that they cancelled the license purchased from XXXX. I finished installing on all 6 PCs and everything works just fine. 

I contacted XXXX to get the refund for the license that I can no longer use and they tell me that absolutely, under no circumstance can they offer a refund on " downloadable content ''. The truth is, XXXX is not selling XXXX  as downloadable content. The software is free to download from XXXX. It just can not be used for more than 30 days without a license. So I am stuck. XXXX will not give me a refund. What to do?
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Windham Professionals, Inc. (PA)

XXXX University, through its collection agent, Windham Professionals , Inc, accepted my offer to settleme an alleged debt, however has not honored the settlement agreement and continues to attempt to collect the alleged outstanding balance. On XX/XX/2020 Windham Professionals , Inc negotiated my payment instrument ( check number XXXX ) in the amount of {$820.00}, which fully satisfied my account. XXXX has refused to release my transcipt or provide me with a notice that the account is settled in full. I contacted the agent on XX/XX/2020 and was told that I am required to continue to pay. I sent my check directly to the president of the company Ms. XXXX XXXX XXXX XXXX with a letter enclosed. The letter clearly stated that the enclosed check was to be cashed only if the settlement offer was accepted. In addition, the check was marked " Settlement Only '', as a restriction. I also requested a letter of rejection if the offer was not accepted. See the attached files ; cancelled check copy and accompanying letter.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

I received in the mail a letter from Chase bank notifying me that I'd been preapproved to get a credit card with them. I went ahead and sent my application and was denied. A week later I received a letter stating that the reason why I had been denied was because I already had an account. I spoke to a branch manager a a local Chase bank and he indeed corroborated that an account under a different name but with my social security number had been open a long time ago. The manager tried to help me as much as he could, called a private direct line and spoke to supervisors but unfortunately they weren't able to do anything to resolve the problem. I returned a few weeks later and the manager was able to request a closing of the account due to suspicious fraudulent activity. I've had to deal with this for quite some time now, and I've tried to open other accounts using my social, but have been denied because of pre existing accounts. A few examples are XXXX XXXX, XXXX, XXXX XXXX and just yesterday I found out this person also has an account with XXXX XXXX  XXXX. 
I've contacted the Social Security Office to see what can be done about this, but unfortunately they aren't able to help me since none of these accounts show up on my credit report. I contacted all XXXX credit bureaus and no suspicious activity is shown. Social Security office assured me that in their system, the only person showing up with that social security number is me. The banks tell me otherwise. I am not eligible to change my social security number since I am not considered victim of identity theft. 
I do not know what to do because i am unable to apply for credit cards or even open an account with any other bank because of this issue. 
I do not know who this person is, but I know it is a man and he lives in California and his name is XXXX.
Consumer complaint received 2020-03-18
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. IT IS VERY CLEAR TO ME. THAT MY IDENTITY HAS BEEN STOLEN FOR THESE FRAUDULENT ACTIVITIES TO HAVE OCCURRED. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS TO MY CREDIT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE,