davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

I have a fixed rate loan managed by Firstmark Services. 

Originally, the loan was from XXXX XXXX XXXX  ( origination in XXXX ). As XXXX XXXX was sold to XXXX XXXX, the loan was taken over by XXXX XXXX and in turn the loan was sold to XXXX XXXX XXXX XXXX and managed by Firstmark Services XXXX XXXX of XX/XX/XXXX ). 

My loan payment over the past XXXX plus years has been {$820.00} at the fixed rate of 3.1 %. For XXXX of this year ( XXXX ), the payment has increased by XXXX cents to {$820.00}. 

I called Firstmark ( on XX/XX/XXXX ) and asked why the payment increased and Firstmark Services said the loan was reamortized. Firstmark said the loan is reamortized every XXXX, and indicated there was nothing wrong on their end. Given that I have always paid on time and have not made any additional payment, the reamortization should not change the payment of this fixed rate loan ( increase the payment, which has happened ). 

Given that this is a fixed rate loan, the payment should not increase.
Consumer complaint received 2024-07-02
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. (IL)

XXXX XXXX XXXX XXXX XXXX Has been reporting Negative on my credit report I never opened this account. This account has been affecting my abilities to attain credit
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

This loan was paid off in XX/XX/year> through XXXXXXXX XXXX Aidvantage took over all loans but the paper work is in correct. The company will not do anything to help. They have said to send the information to their legal team I did but they will still not respond. This is a scam as far as i can see.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (SC)

We opened a new regular checking account at our local bank. I had some CD 's coming up for renewal with Marcus Goldman Sachs. We had issues with them in the past, so we decided to not renew any CD 's. I went in and changed the CD 's option to close at maturity and send funds to my new bank. I did not think much about it, since I had done the same thing with all our other companies. XXXX I tried logging in and a message came up we have locked you account no reason stated. I have been talkinbg with CSR over the last few weeks.l had two people say I have no idea I will get back that did not happen. About two weeks ago I was told they could not verify that account was our bank. My new bank does not do third party verify, so I was told that I needed to send in a bank statement.to make sure our names and address were on the statement. I still had not heard anything for two weeks. I called XX/XX/year> and was told the statement was no accepted since it did not have my Whole checking account number.. I checked with my bank and they said we do not mail statements with a full number. The account shows 4 numbers and I know they have the whole number since they called my bank to verify. and I furnrished this number when I added a linked to account number. They have over {$56000.00} that I can not acess and they have not given me what they plan to do with our money.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX date ; XX/XX/year> XXXX XXXX XXXX, and Transunion have violated my rights once again I am here today. and, I am requesting these closed accounts to be removed Account name : XXXX XXXX XXXX XXXX date open XXXX account number XXXX, XXXX XXXX XXXX XXXX date opened XXXX account # XXXX, XXXX XXXX XXXX XXXX opened XXXX account number XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX # XXXX, and XXXX # XXXX, These accounts are also showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation of the small claims court if the matter is not solved today. Either way I am prepared.
Consumer complaint received 2024-07-01
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

I requested for a loan deferment on XX/XX/ with Nelnet, my student loan servicer. I received an automated response that it takes 7-10 business days to process once the required documents have been received. I sent them my enrollment verification the first week of XXXX and I have yet to have a status update. I have called and been placed on hold for over an hour and had to hang up because I need to work. I have emailed them and asked to have someone call me at least twice and I have yet to hear anything back. My loans are now past due when I should not have a payment while I am in school. 

There contact information - XXXX : XXXX Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX
Consumer complaint received 2024-07-01
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. (AL)

My account with XXXX 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 those account 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 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
Consumer complaint received 2024-07-01
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. (IN)

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. 
Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 


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 2024-07-01
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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-02
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)

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 2024-07-01
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-21
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. (CA)

I FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-02
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)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

i am reporting an identity dispute involving inaccurate information on my credit report for account number XXXX. The inccorect details are causing significant issues. According to XXXX XXXX XXXX XXXX of the fair credit reporting act, i request that this incorrect information be removed within 4 days. i have provided supporting documents to verify my claim. please address this matter urgently.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2024-07-01
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. (NV)

I am filing again a complaint against TransUnion for failing to investigate and address a dispute I submitted regarding an inaccurate account on my credit report. My initial complaint was submitted on XX/XX/year> with reference number XXXX, but it has been closed without a proper resolution. 
The disputed account is XXXX XXXX, this account is inaccurate because it is paid off and closed, I provided proof of this inaccuracy on my previous complaint ( see enclosed ) TransUnion closed my complaint claiming they investigated the validity of the account with the furnisher and that they noted my dispute on the report. However, this is inaccurate! My credit report still reflects no remarks regarding the dispute I filed. There is no explanation provided about the alleged investigation into the account 's validity. 
While they state there is " no negative reporting, '' this does not address the core issue of the account 's legitimacy. 
These actions by TransUnion continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 1 ) : TransUnion failed to conduct a reasonable investigation into the disputed information after I submitted a complete dispute with supporting documentation. 
Section 611 ( d ) ( 2 ) : TransUnion did not provide me with a clear and concise explanation of their investigation results. 
I request that CFPB have TransUnion take the following actions to resolve this very frustrating and costly issue : Conduct a REAL thorough investigation into the disputed account 's validity, considering the proof I provided. Update my credit report to accurately reflect the disputed account 's status and remove it as it is CLOSED PAID OFF! Including a clear notation of the dispute. Provide me with a written explanation of the investigation results and the basis for any decision regarding the disputed account. 
View Attached Documents : Proof of My Latest Credit Report ( showing the disputed account ) Copy of My Initial Complaint to TransUnion ( with reference number ) Proof of Dispute ( copies of documents you submitted with the initial complaint ) Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution.