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

I havent received a credit report from XXXX. XXXX has responded. They are working with me diligently to get this problem solved. I dont believe their upload system is working properly. So I am going to submit the information here. I tried XXXX times to submit the information on their website.
Consumer complaint received 2024-08-09
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. (NC)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I know I always pay on time. I am sure of it. I don't get why this company says I'm late sometimes. Under USC 1666b, mistakes in billing should be fixed and shown as paid on time.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is up to something or hiding something possibly. I am 100 % unable to generate my credit report, nor unable to see previously generated credit reports. The last credit report and dispute date I remember seeing displayed on the site was from XX/XX/2023, but it was already XXXX at that time and I had plenty more after XXXX which were and still gone without a trace. I called them and explained this, but they didn't acknowledge it at all. They asked for all my information and accessed my report just fine every time I called, but they still never acknowledged me telling each of them that I could not get my report and that everything had been reverted to the past. I can not get my transunion report to generate through annualcreditreport either, but I was able to get my transunion report generated just fine through XXXX using the premium membership... I also have not received a paper report from transunion, then the last time I called them I was hung up on and called back multiple times only to constantly be looped through the automated system confirming my identity over and over and over. I have it recorded each time too as proof.
Consumer complaint received 2024-08-09
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)

I am writing to file a personal complaint regarding my credit record. Upon review, I noticed late payments recorded that I dispute. I sent letters addressing this issue over 30 days ago but have received no response, nor have I been provided with satisfactory validation of these late payments. I am seeking your assistance to resolve this matter. 

I respectfully reiterate my previous request. Please take immediate action to update these transactions on my consumer report to reflect their correct reporting status. Your prompt attention and action on this matter are crucial and greatly appreciated.
Consumer complaint received 2024-08-08
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)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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 2024-08-08
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. (FL)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2023-01-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I called XXXX XXXX XXXX XXXX many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.
Consumer complaint received 2024-08-09
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)

This morning, I was dismayed to see unauthorized inquiries on my credit report, which I can not account for. I frequently check my credit report, but this time, I noticed unexpected discrepancies. Even after refreshing my browser, the unauthorized inquiries persisted. I urgently request a detailed review of the documents I've provided to ensure this issue is resolved.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (GA)

Hunter Warfield is inaccurately reporting negatively on my credit file, and I have asked for this to be deleted and blocked. Regarding : Unauthorized Accounts Defamation, financial injury and FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ) To whom it may concern, XXXX XXXX XXXX In representation of XXXX XXXX XXXX, claimant. This written communication is to inform XXXX, XXXX XXXX XXXX as well as Hunter Warfield has been reported as a victim of Defamation, financial injury, and FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ). Secondly, This Notice is to inform you that the information/accounts that are contained herein, this communication is not an attempt to DISPUTE any part of these fraudulent accounts but a Legal and Lawful demand. Therefore, not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA ( FAIR CREDIT REPORTING .NO VALID CONTRACT WITH NAME HERE signature has been presented bust has be request in the previous affidavit. Take notice that I am now reserving all rights under my consumer credit profile with your company, and as a consumer under the Fair Credit Report Act. Your XXXX, XXXX XXXX XXXX do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by me the consumer, or any other reason under 905B ( c ). Promptly send notice if XXXX, XXXX XXXX XXXX declines to block information and provide proof of your claim supported by an affidavit that ALL COMPANIES LISTED misrepresented any fact contained herein within. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance. Thus making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial law, 14-1213 for actual and punitive damages along with attorney fees whereas I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Georgia for your non-compliance to federal and state law. Please govern your actions accordingly, and also send a corrected report in a timely manner. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). Please remove all listed accounts and inquires.
Consumer complaint received 2023-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OK)

I am a federal employee and qualified for student loan repayment ( SLRP ). Near the end of my aid payment my student loan servicer transferred from Great Lakes to Nelnet. After my last SLRP payment was processed, my account balance was approximately XXXX dollars between XXXX loans. So I made a payment of XXXX dollars on the account. This payment is reflected in my payment history in my account on their website as well as my bank records. However, next time I looked my balance did not reflect being half paid, it actually went up XXXX dollars. I figured it would adjust when it was fully processed and gave it some time and emailed them about it. 

XXXX I made a payment of approximately XXXX dollars, the balance reflected on their site that I owed. Where the extra XXXX dollars came from wasn't clear as it didn't make sense as interest, but I didn't really care, I was paying my loan off. That payment was applied to XXXX loan and it was reported closed in XXXX to the credit bureaus. However the other loan still is reported as outstanding at a balance of XXXX dollars now. 

I recently filed a dispute with the bureaus to get the correct information as Nelnet 's site doesn't reflect my account paid off, nor accurately provide details as to what is going on and didn't even match their provided statements, and they're entirely uncontactable. The dispute was looked into and they reported back XXXX loan closed in XXXX, and no data for XXXX, conveniently when my XXXX dollar payment was taken but apparently not applied. 

I have screen shots of the account balances, the payment history, and bank records. I have tried contacting Nelnet which has proven to not be possible any other way than by email to which they do not respond. I disputed the balance with the credit bureau to get accurate information and they report they have no data for the month. Yet here I sit still getting charged interest on a loan I paid off XXXX months ago.
Consumer complaint received 2024-08-09
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-08
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. (MD)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-08
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. (MI)

I am writing to inform you that there are unauthorized inquiries on my consumer report. I have not given permission for you to access my credit profile, and you have no permissible purpose by law to contact third parties with my private or personal information. This constitutes Aggravated Identity Theft under 18 U.S.C. 1028A, as you have knowingly transferred, possessed, or used, without lawful authority, my means of identification. This is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

By obtaining my consumer report from Transunion on without my permission or a permissible purpose by law, and all creditors listed below are also in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). Refer to Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ). 


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Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

I understand how important it is to make timely payments. However, I missed my payment because COVID-19. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment.

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/year> ]. Please consider my track record as proof that I take my financial obligations seriously.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

I had paid off this card within one year of my card use, to avoid the interest. 
XX/XX/ statement, included a large interest charge,. I called the company to see why was I charged this. They said I had a balance that was not paid on my first purchase. I paid off the balance and had not used the card for about 7 months. 

So I asked the rep to send me a copy of all of my statements, she said she would, I never recieved them. so I called again, explained my case, and was told he would be sending them in 14 days, plus he was very rude, so I told him to close this account, because I do not want to be charged any more interest than they are already charging. 
So I called a third time, and the rep told me, he could not send me the statements, because the account is closed, the reason I closed the interest charge and poor customer service.