davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (PA)

XXXX XXXX XXXX  attempted to add an additional day of payment onto my credit card ( I disputed that charge with XXXX card ) for a car rental that was returned via a drop box to their parking lot on time to the XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX location as pre-paid and contracted purchase. 

I have already contacted XXXX regarding this false charge on my credit card for an additional day of rental that was not valid. They were told and situation was supposed to be resolved but still I received calls and mail from XXXX, XXXX and XXXX a Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX The amount is {$49.00} and was charged onto my already paid contract which was pre-paid from XX/XX/17 - XX/XX/17. 

I returned the car to the location on XX/XX/17 at XXXX as pre-paid to do. Still they charged me another day
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these accounts ( XXXX ). ( A ). I'm confident the contested accounts are settled. XXXX XXXX Balance Owed : {$41.00} ; XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$5100.00}.
Consumer complaint received 2024-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IL)

Every time I contact mohela about my student loans : consolidation, forgiveness, even a simple payment- I get contradictory information. The latest thing that makes me mad is that I was told via the online portal I have no payments due for several months. Then I got a paper bill for {$2.00}, so I mailed them a check for XXXX because {$2.00} just seems ridiculous. And then today I get a paper bill saying that my automatic payments will be restarting in 2 days with a minimum payment of {$1300.00}, which is far too much for me ( and I applied for consolidation to bring down a XXXX XXXX monthly payment. ). Every time I call, I'm on hold for an hour or more. I very often get hung up on. And I never get a straight answer.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act the following two accounts XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX  have 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
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

I request a thorough investigation into all inaccuracies present on my credit report. These inaccuracies include erroneous account information, inaccurate payment histories, and incorrect personal details. Furthermore, I ask that you take appropriate action to delete or correct these inaccuracies promptly.
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. (NY)

I am writing to dispute a fraudulent charge on my account in the amount of $ XXXX. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Since my father passed away in XXXX of 2023 I have been calling citizens bank trying to put a hold/freeze on his asscount so my step sister could stop accessing his card bc over {$15000.00} has been stolen. I have phone records, emails and fax conformations all showing how many times I have been trying to talk to people at citizens along with a detective from the local police department who is trying to access with videos and get told they are " backlogged '' or don't have access to the videos anymore even though like I said I have been trying to get them to look at these videos since XXXX. They are trying to deny my claims and unwilling to pay me the money back. 

I received a partial refund but now when I try to contact the same department no on answers the phone or returns my calls or responds to my voicemail. I have been calling since XXXX and was told they wouldn't issue the rest of the money because it was still under " investigation ''. I'm still owed over XXXX grand at least and the least they could do is not avoid me and let me know what's going on. They just keep evading the situation and it is completely unprofessional.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

On XX/XX/2019 I applied for a payday loan. It was granted for the sum of {$800.00}. Before I accepted the loan, I asked what was their interest rate. To compare with a couple of others I had in mind. Representative, fed me the run around, by stating interest can not be seen until she set up payment schedule. I selected to payment plan of 5 months for safety net, assured I could pay back without harming my house hold. So rep stated it would be {$240.00} for every scheduled pay day I have selected. I'm thinking only 5! So I agree to the loan.Figuring est of maybe the interest was around {$300.00} bucks. To me that's reasonable. Was told my first payment was gon na be {$150.00}. The the rest would be the {$240.00}. My first payment was due on XX/XX/XXXX. My check I deposit was clear on the XXXX. I went on website logged in and made payment for {$150.00}. That's when I saw whole picture, which I submitted in the photos. {$150.00} was broker fee and lender interest. So I looked at my payments history my balanced still read {$800.00}. ( None of that towards my principle ) So no wondering why is the no decrease towards my principle, and I Immediately called the Power Finance Texas customer service. I stated sorry for paying a day late. I said I made payment, but I notice my principle is still the same how come? She said my loan was prorated, so that was the fee. Not told this before! I also asked why does my payment schedule show 13 payments due instead of 5? Rep stated that payments of {$240.00} would be due twice a month! That's when I realized this was no life line but nightmare! 8 extra payments is and was not the agreement I said to her. So I told her I calculated 13 x 's {$240.00} it came to {$3100.00}!!! On a {$800.00} loan!!!! I said I don't feel it's fair I got ta pay back almost triple what I borrowed. How {$800.00} get to {$3100.00}? She said the fees are added every day by {$16.00} and some cents per until day the loan is paid off in entirely. I said if you would have told me that at first I certainly wouldn't have agreed to taking a loan from you. I told her this was my first loan, and certainly the last. Because true stipulatIons was I felt withheld. Website stated lower amount per {$100.00}. Couldn't just take the highway robbery, so I came to report which to me feels like entrapment! I more worse off than when I started!!! HELP!!!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

FCRA 605B obliges you to eliminate any inaccurate accounts from my credit report. This is incorrectly listed in my credit file, so please delete it. I am due {$1000.00} for each inaccuracy on my credit file.
Consumer complaint received 2024-05-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Meritize Financial Inc. (NY)

PrepMD has taken the entire payment from Meritize XXXX student loan financial services for a 2-part course, but I am unable to access my course. I have started the first part, but have not finished. I intended to take the course to prepare for the XXXX exam, but the course does not offer education to prepare for the XXXX exam. XXXX, my representative baited me into taking the course, and the course did not provide and education for the XXXX. I don't have access to my course, and so the first part has not been completed, and the 2nd part hasn't been started.
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. (NV)

XXXX account assigned to Collections is Fraud. Never open personal accounts with XXXX Demanded documents of verification from XXXX and never responded to by XXXX. 

This is fraud account. ID theft report filed
Consumer complaint received 2024-05-23
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. (MS)

In XXXX of XXXX  went to get me a car and my credit was very low in the XXXX my credit has never been so low they are not updating my credit and things are on my credit that should not be my credit report should be a XXXX that is not fair I can not get a car with a XXXX credit score
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account XXXX XXXX XXXX  with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I included all names and addresses. Phone numbers are no longer valid or never valid and names are fraudulent. My full name is XXXX XXXX XXXX and report fraud on any other names used. There may be fraudulent credit accounts but this company does not provide the information freely but reports wrong information and doesn't honor my disputes on incorrect personal information. I have provided proof of identification.

Thank you for you support. I want a full investigation on TransUnion and it's practices and policies.
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. (CA)

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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-05-24
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)

Ive reached out to all XXXX CRAs several of times on numerous occasions in regards to fraudulent accounts thats on my credit reports from the following companies XXXX XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened on XXXX. Along with several inquiries
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the XXXX XXXX XXXX. This statute, an integral component of the XXXX Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
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. (CA)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT.

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
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. (NY)

I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.
Consumer complaint received 2024-06-21
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. (IL)

I am submitting this complaint concerning the fraudulent items found in Experian, XXXX, and XXXX Credit Bureaus. I am requesting once again for the removal of these items. In accordance with the FCRA regulations, it is my understanding that your organization is obligated to conduct a thorough investigation into the items listed on the identity theft report. To facilitate and expedite the investigative process, I have attached relevant documents that provide additional context and evidence related to the erroneous information currently present on my credit report. These documents aim to assist your team in comprehensively addressing the items that are not associated with me or have been initiated without my authorization. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX