davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Higher Level Processing (UT)

I was approximately contacted by Higher Level Processing Inc. sometime in XXXX XXXX XXXX. I was told that I good pay like {$1500.00} total ( give or take ) and my student loans would be wiped off my credit. I asked SEVERAL times about the credit and the {$1500.00} and was told the same thing every time. I have since stopped my payments as they won't listen to me when I say I want to cancel or discontinue their service as I have found that they are not allowed to do this according to law. I have asked for all my money back and they have refused. I have checked the XXXX  and they are NOT accredited and have SEVERAL complaints. I have the email that they sent me on ALL the charges. I am asking for every bit of it to be returned. I am also going to state that they got into my student loan account and changed my password and my address to their address located at the bottom of the email. I also received a TON of emails and texts asking me to update my payment method to continue even though they sent me an email saying that I was so no longer with them. The total amount taken before I stopped payments was : {$1500.00}, all of which I want returned. 

Any further questions regarding your membership fee of {$35.00}, please call Billing direct line XXXX. 
Any questions regarding your loans, or forgiveness program, contact Customer Service direct XXXX. 

Date Due Pmt # Amount Type XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$160.00} Down Payment XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee XX/XX/XXXX XXXX {$39.00} Membership Fee Billing Department Higher Level Processing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX T : XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  XXXX placed a late payment on XX/XX/year> Account number XXXX. I have never made a late payment on this account. I contacted XXXX  XXXX about the late payment and was told there was nothing they can do since the account is closed.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NH)

The bank sent me a letter stating " We're writing today because you haven't used your TD Credit Card account for at least 16 months. We've closed your credit card account with use because it is inactive.... you have 60 calendar days from the date of this letter to redeem remaining rewards points before they are forfeited. '' First, this is not true : the card has been used within the past 16 months as reflected in monthly statements. 

I called the customer service number to attempt to redeem those remaining rewards and despite the website saying 24/7 availability, the customer service rep said no, that department is only limited hours, you have to call back the next day at a different number. I did, and had to go repeatedly re-enter full card number and authentication information into a system that couldn't find the account ( presumably because it was closed ). The rep there said they could not redeem the remaining rewards because it the available amount ( {$8.00} ) was less than the {$25.00} threshold and because the bank closed the account there's no way of getting it there, so the bank will just keep remaining amounts from this " Cash back '' card they sold as having great benefits for " cash back '' of a small percentage of purchases. When I asked for the advertised cash back to be applied I was transferred to applications, then back to rewards, then to customer service, and back, being told by folks in the rewards department there aren't any supervisors who can deal with the issue there ( only in customer service ) and in customer service that they don't have anything to do with any rewards ( they only sell the great benefits of those cash back rewards that can't actually be redeemed ) and they're not willing to do anything about fixing issues that led to the false statements in the letter ( e.g. the 16 month inactivity opening line, which just isn't true ). Each person I spoke with had to get all the authentication information ( full card number, full name, data of birth, last four digits of social security number, current and previous full address ) all over again ; it wasted lots of time and still did not yield results.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-30
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-30
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. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My alleged loan began after paying XXXX XXXX XXXX XXXX at closing. I spoke to XXXX XXXX and their paid in full. So why would I need a loan from PennyMac for the same amount. I'll make a copy ofmy paid in full letter as my proof.
Consumer complaint received 2024-09-17
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Dear CFPB Staff I have an account with Experian credit reporting company that updates me on my credit score monthly. Experian also shows the XXXX XXXX of the other XXXX credit reporting companies such as XXXX and XXXX, but the information appearing on the Experian website about my credit debt with XXXX and XXXX is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the Experian website. I have tried to address this issue with Experian before and nothing has changed. Experian needs to update its website and communicate with both XXXX and XXXX to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to XXXX Complaint # XXXX and again XXXX did not fix the issue with Experian.
Consumer complaint received 2024-07-30
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX INT : Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX Account Name : ( Original Creditor XXXX XXXX  ) Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-30
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 filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a An personal loan opened at XXXX XXXX  on XX/XX/year> under the account number ( XXXX ) these several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and personal loan account opened at XXXX XXXX  opened on XX/XX/year> under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I am being told by chase JP MORGAN that the derogatory issues on my account will not be romoved as they said it would be in XXXX after the late payments. I explained I had XXXX during this time and they said they would ensure it was not listed as late. Trying to get house refinanced. I found out that CHASE JP MORGAN intentionally reported the derogatory remarks and refuses to remove it. I am XXXX at XXXX and Chase JP MORGAN wants to keep my fico score low so they can charge more money for interest rates. As a XXXX white male I feel I am Chase JP MORGAN is doing this to further handicap me. Today I spoke with XXXX who specifically said NO CHASE WILL NOT REMOVE THE LATE MARKS ON MY CREDIT REPORT. when I brought up the XXXX XXXX cares act every employee acted as if they were not concerned of the federal government. In fact one employee said they were larger thean the government that they will do what they want. Later A lady XXXX at XXXX with Chase JP MORGAN who wanted to argue the fact I acciddently registered a claim in my wifes name. They knew who the complaint was from but was calling wanting the claim pulled because as she alured to is that it makes them look bad. I am not asking for anything no other credit card company has done in the past, which is submit a bisput to the agencys to remove the derogatory statement. If I was not handicap/disabled I feel CHASE JP MORGAN would treat me differently.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-30
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 filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX  XXXX XXXX XXXX XXXX Account number XXXX Opened : XXXX. XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and auto loans account opened at XXXX XXXX XXXX XXXX Account number XXXX Opened : XXXX. XXXX This account have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.