davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

ATTN : TransUnion I recently obtained a copy of my personal credit report and I have noticed quite a few errors and inaccuracies. 
Also, I never have given you written consent to include any of this information on my credit report. This is proven under the consumer laws as identity theft. To bring to your awareness, the following accounts on my personal credit report are reporting without my consent : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX I am sure you are familiar with the consumer laws that were created to protect the consumer and your bureau is currently in violation of these agreed upon laws. Please review the following laws that you are obligated to abide by : Order 15 U.S. Code 1681 b Permissible Purpose of consumer reports : I never gave you any written consent to report the above listed accounts on my credit reports, and no consent is fraud upon your bureau.

Order 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report : The listee accounts are in violation. Transactions are to be excluded from a consumer report if no social security number was verified for the transaction.

Please remove these accounts from my credit report immediately, if not, I will be forced to gather all my evidence and seek legal actions. 
Regards, XXXX XXXX
Consumer complaint received 2023-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NM)

I applied for public loan forgiveness for working in a XXXX XXXX XXXX but Mohela, the loan servicing company says I do not qualify because I do not have 120 payments. Over 4 years ago the loan service provider changed and not because of a request I made. This was not voluntary and I even disagreed. 

Because of the change I only have a few years of payments with Mohela but for the life of the loan, I definitely have more than 120 if you factor in the qualifying payments I made to the previous company as well. The law for public loan forgiveness says 120 payments and does not say per loan servicing company. I would agree with Mohela if I choose to move the loan but I did not. 

I hope that Mohela reconsiders the decision and allow payments made to the previous loan company so I approved for the public loan forgiveness program, thank you.
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. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-11-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Absolute Resolutions Corp. (KY)

I moved from XXXX to XXXX  and a debt collector is trying to sue me in XXXX  for the XXXX  debt that's time barred in XXXX. Also I have never had a credit account with the amount they say I owe. When I contacted them I asked for proof of the debt and they won't provide it. 
I'm providing the appeal court case number in XXXX  XXXX
Consumer complaint received 2024-08-08
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. (CA)

In my recent complaint to XXXX about the incorrect information, specifically my name and address, and the fraudulent furnishings on my credit profile. I have already sent them my correct information twice, and yet they are sending me another request for such documents, which i have already sent to them, which i will enclose evidence of certified mail and the information i sent. 

This is really damaging to my well being, cause undue stress for me, and defamation of my character, which are grounds for compensation by legal means, which now i will not hesitate to hire a lawyer to defend me.
Consumer complaint received 2024-08-08
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. (FL)

RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern..

It is of utmost importance for the creditor to comply with each parameter established by the Fair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the XXXX XXXX XXXX. 15 U.S. Code 1666 ( b ) ( a ) Creditors : XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX Account XXXX XXXX XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates.

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced : {$0.00} XXXX  XXXX XXXX Balanced : {$830.00} XXXX XXXX2023XX/XX/year>
Consumer complaint received 2023-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc. (NH)

Ive made my payments on time and the mortgage company would add my payments to the principal instead of my mortgage and caused a bad report on my credit to which they said they were going to fix and it hasnt happened. The delinquency show up on my credit to this day.
Consumer complaint received 2023-11-11
Product: Credit 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: SYNCHRONY FINANCIAL (NJ)

I got a letter saying only a partial of the {$700.00} was credited to my charge card and I had a XXXX balance. However, I had PAID all those fraudulent charges so I should have a credit balance. I have tried to call the company and have gotten no return call. 

They sent me a new credit card number the fraud charges were on the old card number
Consumer complaint received 2023-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (SC)

To whom it may concern I XXXX XXXX Have noticed inaccuracy of reports from Self/Lead Bank I have made several attempts to dispute this matter allowing myself to get the account Removed I have also filed an FTC report XXXX Prior to this I have filed multiple requests in dispute of the fradulent report and inaccuracies When according to 15 USC 1681 Reports must be ACCURATE with further investigation my reports are also Fraudulent but these reports have inconsistencies with XXXX, XXXX, and XXXX which by law along with 15 USC 1692 ( g ) ( b ) validation of this debt can only be done by the original creditor which is me The Consumer. I can only validate that debt and this debt is not my debt someone had compromised my information and Fraudulently using my identity and with the help of theses agencies I am having a great deal of suffering in regards to this matter. Also in result to this matter these report have become charge off which is illegal to be done after I have asked for debt validation nothing has been done no notices have been sent to me or any evidence of them showing me that this was truly me because they can't produce the information because it wasn't me. I am asking for the immediate REMOVAL. In conjuction to this matter I am seeking monetary relief due to this erroneous reports that are hindering my livelihood and ability to extended myself credit which Is my right under equal credit opportunity act established in 1974 I have sent documents highlighting each error in reports and am seeking Remedy for Each Violation that is stated FCRA 1681. 
Please go thoroughly investigation ton understand understanding the importance of these law and the litigation to properly go through steps and grant me proper relief Thank you In good faith XXXX 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. (WI)

There is a XXXX XXXX Account that is currently on my credit history that is not my account. I have worked for numerous hours with TransUnion ( Credit Reporting Company ) and XXXX XXXX to get this matter resolved. Both companies have given me no help even though XXXX has confirmed I have no account that is in default or should be in collections as indicated on my credit report. This has resulted in my credit score being over XXXX now XXXX. HELP NEEDED
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
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. (NC)

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 2024-08-08
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-27
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Recovery Legal Group (KS)

After I was laid off from my job in XX/XX/XXXX I was struggling to make my mortgage payments. I heard about a company XXXX XXXX XXXX XXXX  ) that will help you keep your house and I initiated a conversation with them. The process took quite a while and I provided the loads and loads of paperwork and supporting documentation they requested. In addition, I made XXXX separate payments of {$XXXX} for this service ( XX/XX/XXXX ) and second payment on ( XX/XX/XXXX ). The communication continued throughout the month of XXXX and they started harassing me for the third payment of {$XXXX}, which I was unable to pay During that period, I spoke with my mortgage company and found out that I had many other ( free ) options and they were more than willing to help me find a solution. 

At that time, I sent an email to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX notifying them that I had secured mortgage assistance outside of their company, and that because no negotiations or work had been conducted on their end, I wanted a full refund of both payments. A full 7 days passed before I received a response. On XX/XX/XXXX I received a response stating that my file was put on a " non-compliance '' hold since I had not made the last payment. He also stated XXXX will process this request for a refund with our back office, and I will update you as soon as I hear back. ". 

I never received another message after that. Over the past year and a half, I have sent XXXX more messages, none of which received a response.
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. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 ( 2 ) personal credit card accounts opened at XXXX XXXX XXXX XXXX on around XXXX XXXX, XXXX bal. {$1600.00}, XXXX XXXX XXXX XXXX opened on/around XX/XX/XXXX XXXX {$10000.00}, Mortgage Account opened at XXXX on around XX/XX/XXXX XXXX {$260000.00}, XXXX  ( XXXX ) opened on around XXXX, XXXX XXXX XXXX. {$8600.00}. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
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. (NV)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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.

XXXX XXXX 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 8
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. (MO)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.