davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have tried several attempts to get the credit bureau to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to have all inquiries removed from my credit report that were not made with my knowledge of what was happening. Many companies use unfair and illegal tactics to have access to my credit as I explained to this credit bureau and they did not respond. I plan to send XXXX last letter in an attempt to correct this issue in conjunction with this letter. 

I want to be clear that 15UFC6802 states that 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

15CFR313 16CFR433.2 16CFR433.3 I have become homeless and not able to obtain a new home for me and my children as a result of credit bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the credit bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
Consumer complaint received 2024-07-08
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-23
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)

Someone elses Social Security number is on my credit report so it was his phone number is on my credit report and it is my ex-boyfriend from 3 years ago. I can not fix it. Also XXXX and XXXX have been pulling my credit daily. My name and addresses and phone numbers are also incorrect. It also states that my home phone landline number is XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (CT)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. 
Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non- compliance as violation of its provisions. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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)

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 XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 2024-07-08
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. (TX)

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I discovered several inaccuracies, such as false account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are significantly impacting my financial security, and I urgently seek your assistance in resolving these issues.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-23
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. (CT)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 
I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. XXXX XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-23
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)

I am troubled by the presence of XXXX XXXX on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.
Consumer complaint received 2024-06-25
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)

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

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

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

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-05-23
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. (MO)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgaging Servicing, the servicer for the lender, XXXX XXXX a trial 90 day payment plan with insufficient time to make the first payment. I sought out an investor for my family 's home, and we were asking Shellpoint what the following payments would be, as to secure the necessary funds. The first payment was due in 10 days. We told my representative ( SPOC ) 10 days was not sufficient time to make the first payment, and asked for an estimate as to the following monthly payment amounts. The SPOC said the 3 month, {$13000.00} would have to be paid first, only then would the following payment amounts be calculated. I sought out additional info at Shellpoint with the same answer, as the sale date advanced. 
I shared this info with an attorney at my Chamber of Commerce, saying the XXXX could assess any amount after 90 days, which could be {$10000.00} or so. I was also to have received a contract from Shellpoint to sign, I never received that. 
We believe an offer was made on paper that could not be met within the time frame allotted. We could have/can meet the monthly {$4500.00} amount. 
Meanwhile another letter arrived during this time. This was a demand letter for the full amount, {$900000.00}.
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (NC)

Once removed from credit then IC System Inc brought the debt put it back on my credit as if it just happened XX/XX/year>. Has it as an open account and a balance owed. According to the law a collection account should never be an open account or carry a balance
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I reached out to Mohela when I noticed my dates of how long I had my federal student loans started in XXXX not XXXX. I reached out to Mohela and asked why and was told because I consildated the loan in XXXX they dont transfer that information over. Well this is crucial to me qualifying for the IDR payment that will wipe out student loans. These adjustments to accounts include conducting a one-time revision of XXXX payment counters to address past inaccuracies and permanently fix XXXX payment counting by reforming XXXX XXXX tracking procedures going forward. Based on the newly eligible months from the one-time account adjustment, borrowers who have reached XXXX or 300 months. My loans started in XXXX not XXXX so Mohela not account for that reduces my months by up to XXXXyears. This is not accurate information and this must be updated immediately per the student loan contract I signed intially in XXXX and XXXX. No where in the contract does it state they will back date my student loans to XXXX and not account for my actual initial loan disbursement in XXXX. I am requesting this be looked into immediately. I also want to be provided a copy of my initial loan documents including application and all signed documents by me from XXXX as well as XXXX that state this information. In addition I want my loan disbursement updated 100 % accurately by Mohela immediately and supplied to the federal loan department so they know my loans are ready to be 100 % cleared.
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (PA)

I owe Discover Student Loans over {$93000.00}. I took out my first loan ( co-signed by my mom using my dads income ) in XXXX when I was XXXX XXXX XXXX. 

I XXXX in XXXX and have paid them {$1100.00} every month for almost 6 years. I pay over {$14000.00} in interest every year. I still have 9 more years of payments. Their interest rates are criminal. They used my XXXX XXXX XXXX fathers income and my mothers credit score to calculate what I would be able to repay as a XXXX XXXX XXXX. This seems ridiculous, unethical, and predatory. 
Their only repayment assistance options are temporary and will only prolong my repayment period. 

They are unsympathetic and unhelpful. Theyre selling their student loans off to the highest bidder and will make millions off of our debt. Its a ridiculous scam to give unpayable loans to people ( often minors, first generation students, and fresh high school graduates with little experience or financial literacy ) who just want to learn and better themselves and and up drowning in debt and unable to enjoy their lives.
Consumer complaint received 2024-06-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (MD)

I purchased my XXXX in XXXX of 2023. I traded my XXXX in for the XXXX. Both vehicles were financed by GM Financial. GM Financial paid of the XXXX on XX/XX/year> per my credit report. Yet GM Financial is reporting on my credit report that I was 30 days late on my payment citing the date XX/XX/year>. This has made my credit report decrease by up to XXXX points. 

I have asked them to make this correction and they refuse to. They are reporting false and misleading information, which is a violation of 15USC 1692e 2 ( a ), 15USC 8.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (NC)

On XXXX XXXX I contacted XXXX XXXX XXXX Shellpoint Mortgage Servicing. I told him my issues. I am in the mortgage industry and obviously things have been tough on a lot of us. I was not yet 30 days behind and I wanted to get out of front of this issue and see what options are available. I have done several modifications in the past through XXXX after the Housing crash of 2009. I was told immediately that I should be eligible for a loan forbearance until my position improved. I trusted this person. He was nice at first and very reassuring. Then after I uploaded all of my documents it was one delay after another. They kept asking for more information. I would immediately send it in and I would not hear from D Gamble for days. I called over 50 times over the last 2 months and he never once answered his phone. About every 3-5 days he would send me a quick email telling he is waiting on underwriting. It's been 60 days. I have not made a payment and now they tell me that I have NO options days before my loan is 3 payments behind. They told me I would be approved for a forbearance or that it would be approved. Ultimately, I was out of options, but XXXX does not have a cap on mods. They knew all along that I would not be approved, had all of my previous loan history yet strung me along so they could ultimately try and foreclose on my family. They are playing games with people 's lives. If they told me no in the first week I could have gone in a different direction. Now my options are limited to noneXXXX XXXX XXXX  is a poor representation of the company and should not be on the front lines of an industry that needs all the good help it can get. Please help me.
Consumer complaint received 2024-05-23
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. (TX)

You are reporting inaccurate information for account XXXX. The collection agency XXXX XXXX XXXX has failed to verify this account. The original creditor stated that the account was furnished with an activity date of XX/XX/2023. The balance reporting is also incorrect. I have attached the final account statement from the original creditor showing the activity date and balance. Furthermore, this account has is in a payment plan with the original creditor. I do not owe this alleged debt to this collection agency that is furnishing incorrect information. The credit bureaus are also at fault for reporting false and misleading information. Please remove this inaccurate account from my credit report immediately.