davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-27
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. (WV)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2024-05-27
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. (AL)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$8500.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXXXXXX XXXX XXXX XXXX Bank of America is showing a 30x late on my CC. I not only had automatic payment set up at this time but it shows refunds of any and all late payments and interest charges. I was told by Bank of America its inaccurate and to dispute with all XXXX credit bureau agencies and they would put notes in the system and it would be resolved. Unfortunately it wasnt resolved. Now Im fighting with Bank of America directly to resolve and it is still showing on my report. Its affecting my credit, its inaccurate and I want it resolved ASAP. 

In the last year the service has been awful and I have been with them for 20 years!! Spending hundreds and thousands of dollars with them and always paying my balances in full every single month. They accidentally took duplicate CC payments from me and it took them 2 months to give the money back. They take hours to answer calls now and after 20 years- this is so disappointing.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report. Thank You KHOLS<CAPITAL ONE<XXXX XXXX  THESE ARE AFFECTING ME GETTING MY HOME APPROVED. IF I MISS MY OPPORTUNITY TO CHANGE ME AND MY FAMILY 'S LIVES I AM GON NA FILE A LITIGATION LAWSUIT WHICH WILL COST MAJORLY FOR THE VIOLATIONS OF THESE ACCOUNTS CAUSED BY AGGRAVETED ID THEFT 18USC1028A 15USC1681B NO PERMISSIBLE PURPOSE 5USC552A PRIVACY LAW FCRA VIOLATIONS FOR UPDATING THE ACCOUNT AS VERIFIED WITH NO PROOF OF WET INK VALIDATION AFTER A FTC REPORT WAS SUBMITTED ALONG WITH ID VERIFICATION.
Consumer complaint received 2024-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (KS)

On XX/XX/XXXX, I sent the following email to XXXX XXXX XXXX customer service email requesting a process or application in order to have my private student loans canceled due to school misconduct by XXXX XXXX XXXX ( I have taken out my account number ) : " Good afternoon, I am reaching out to you regarding my private student loans ( Account Number ). These loans were taken out through XXXX XXXX while I was enrolled at XXXX XXXX XXXXXXXX from XXXX XXXX XXXX  and consolidated in XX/XX/XXXX where XXXX  became my loan servicer. 

As you may know, XXXX  XXXX XXXX was recently found guilty of misconduct due to their pervasive and substantial misrepresentations to prospective students about post graduation employment rates, salaries, and career services.. and the XXXX XXXX  has approved a group student loan discharge for borrowers who attended the school between XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXXXXXX Additionally, I applied for borrower defense forgiveness through XXXX and had my case approved and was a full class member of the XXXX XXXX XXXX  settlement because it was found that my school was one of many for-profit schools that were engaging in predatory and fraudulent practices. This resulted in all federal loans being discharged that were taken out for XXXX XXXX XXXX 

XXXX currently has an application for private student loan school misconduct discharge and XXXX senators including XXXX XXXX are pushing XXXX to cancel private loans for borrowers that attended these fraudulent schools. 

XXXX XXXX XXXXXXXX I am requesting from XXXX XXXXXXXX a similar application in order to have my private loans from this fraudulent school discharged due to school misconduct and was encouraged to do so by XXXX XXXX on Predatory Student Lending.

Please let me know what further steps I need to take. 
Thank you, XXXX XXXX '' On XX/XX/XXXX, XXXX responded to my email denying me any kind of process for student loan relief based on school misconduct : " Dear XXXX, Thanks for contacting XXXX XXXX 

Unfortunately, as this is not a federal loan, it is not eligible for loan forgiveness due to school misconduct. 

We value you as a customer and appreciate the opportunity to serve you. If you have questions or would like to request copies of additional documentation regarding this resolution, please reply to this email, visit FirstmarkServices.com, or contact us using the information below. 

Sincerely, XXXX XXXX Customer Service '' I currently have a student loan balance of {$20000.00}. My original refinance amount from XXXX XXXX to XXXX  in XX/XX/XXXX was {$32000.00}. My promissory note does not include any process or list my right to discharge based on school misconduct.
Consumer complaint received 2024-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reviewed my Consumer Reports and noticed that I had several late payments that I was never late for. Consumer Reporting Agencies have assumed a vital responsibility to report Consumer information to the best of their ability and as accurate as possible. I have never been late. In accordance with the Fair Credit Reporting XXXX XXXX Acct # XXXX and Capital One XXXX has violated my rights. 15USC 1681 Section 602 states that I have the right to privacy. 15USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. The credit bureaus stated my account was properly investigated within 30 days and how is that possible when all the dates reporting is inactive, the date of last activity is inaccurate, it has has never been verified.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On or about XX/XX/year> XXXX XXXX received a cease and desist letter regarding an alleged debt by consumer after refusing to apply payment or send back an endorsed security. SInce cease and desist letter XXXX XXXX has sent over XXXX emails trying to collect this debt. As a federally protected consumer according to 15 U.S.Code $ 1692c i seek resolution. XXXX XXXX is using trust property without consent.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST CREDIT FINANCE (CA)

my car was repo on XX/XX/XXXX but looking thru my receipts i have finish paying for the car in full even have paid more then the balance due i have been requesting a payment history of payments i have made to first credit finance they just tell me it has been put in the mail but have not received anything my car is expected to be sold in the auction in the next days but now i call and my calls are not being answer and i have proof that my car has been paid off and they will not send me the payment history to clear this matter also they have stop sending me invoices since last year around XX/XX/XXXX ever since have not received any statements from them they had just been calling regarding payments that i had send in, i called on XX/XX/XXXX requesting copy of my contract and payment history at the same time only received copy of contract called again on XX/XX/XXXX the assured me it had been put in the mail on XX/XX/XXXX it is today XX/XX/XXXX i have not received it and have not return my call. i do have proof of payments but i need my payment history to compare the amounts
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XX/XX/year> I tried to convert my Venture One points to XXXX of Capital One 's transfer partners. When I select Convert Rewards, it sends me to an authentication page and tells me to enter my phone number. I enter my phone number and it goes through, but then the next page to load, loads to nothing. I've tried doing this on my mobile device and desktop and neither one gets me to the appropriate page. Based on several other testimonies online this issue has been going on for months without being resolved. We pay for this rewards service, so by not having access to the page this is false advertising and we are not being given all services we have paid for.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (PR)

Date : XX/XX/2018 / I submitted reviewing of claim placed for collection by Professional Debt Mediation , Inc., XXXX XXXX XXXX XXXX, Fl XXXX Date Notice of Collection : Opened XX/XX/2018 Amount : {$1200.00} Last XX/XX/2018 I submitted a dispute about a Notice of Collection for a delinquent account of an original creditor : XXXX XXXX XXXX XXXX, Florida. 
In XX/XX/2018 I called this collection agency to know the status of my dispute. At this time they have not answered about the investigation that I requested about this debt. 

I agree with XXXX a rent contract for 6 months that I needed to modify because I have to move for reasonable causes. We agreed a new contract which I fulfilled to the end in XX/XX/2018. I have documents included to prove this payments. I was never communicated by phone or letter any charges regarding damages or pending payments by XXXX XXXX of Florida. Nor, any alert notification of collection claiming for this debt. When I was reviewing my credit score in XXXX XXXX, in XX/XX/2018 ; then I saw the collection notice submitted since XX/XX/2018 and immediately I took action by phone and providing documents and submitted again in XX/XX/2018. 

As a consequence of this Collection notice pending. I have a negative reputation that is affecting my credit history with the credit card agencies. They have limited my credit balances. Also, my credit score is deminished.
Consumer complaint received 2024-05-27
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 items listed below are reported on my personal 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 XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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
Consumer complaint received 2024-05-27
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. (NV)

I am writing to the accuracy of my credit report and there are two discrepancies on my report that have hurt my ability to obtain new credit. Under FCRA laws these accounts must be validated and after countless times trying to validate these accounts unverifiable accounts must be removed from my credit report and if unable to verify accounts then you have to delete immediately.
Consumer complaint received 2024-05-27
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 noticed the problem in XX/XX/year> Incorrect Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Account " XXXX XXXX XXXX XXXX '' have multiple errors amongst the three bureaus. I have disputed this account but they bureaus fail to do their job and ensure fairness and accuracy on my report. The following errors appear as the information is not correct or concurrent amongst the three bureaus : Last updated date, worst delinquency, payment history, closed date, last activity, and account number ( credit report has been attached ). This is direct violation of 15 U.S. Code 1681e ( b ) that states 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. This has not occured!!!! This account needs to be deleted immediately due to the negligence and direct violation of the law!!
Consumer complaint received 2024-05-27
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2017-09-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (PR)

In my credit report are reported XXXX XXXX accounts that do not belong to me since XXXX XXXX I have done research for a check to be removed from my creditol report Which are XXXX # XXXX balance in Loss {$1100.00} this was opened in XXXX XXXX and XXXX # xxxx in positive, this opened in XXXX XXXX reports that I had a credit limit of {$500.00} that does not belong to me either. Despite the efforts that I have made, it is not possible to verify or the credit bureaus are not doing the appropriate steps to verify who the account is and apply it to the right person. In the investigation carried out now in XXXX I found that the XXXX account in loss reports that it is being paid as agreed which instead of removing this amount continue to report incorrect information. there are also reported open accounts of used XXXX XXXX XXXX # XXXX bal in loss of {$760.00} that does not belong to me and XXXX XXXX # XXXX bal in loss {$630.00} that does not belong to me.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise Credit Service is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions Sunrise Credit Service was informed THE FOLLOWING account information being FURNISHED to Sunrise Credit Service and reported by Sunrise Credit Service is in fact inaccurate and they continue to report. Sunrise Credit Service is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts collection.In addition, Sunrise Credit Service was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Pennsylvania. There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. ( Collection and XX/XX/2024