davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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. (UT)

I am writing to formally escalate an ongoing issue regarding the presence of fraudulent items on your platform. Despite my previous attempts to address this problem, there has been no satisfactory resolution, and the fraudulent items continue to reappear. I am extremely disappointed with the lack of action taken to address my concerns. This situation not only affects my experience but also undermines the trustworthiness of your platform. Please respond within the exact timeframe. If this issue remains unresolved, I will be compelled to seek assistance from consumer protection agencies and consider legal options to ensure this matter is addressed. The following items should be remove as soon as possible : XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$32000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX {$1100.00}.
Consumer complaint received 2019-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Ihavebeenafederalemployeeforthelast12years,withthesameemployerwithbreaks.MyemployerqualifiesforPSLFprogramandhascertifiedmewithFEDLOANServicinginXX/XX/XXXXformyemploymentperiodXX/XX/XXXXtopresent.FEDLOANhassentmemultipleincorrectlettersstatingmyfederalemployerdoesntqualify,andaletterstatingtheydoqualifyforPSLF,butFEDLOANwillnotreportcorrecttimeframeorqualifyingpaymentsamount.Ihavemade121monthlypaymentssinceXX/XX/XXXXtopresentandhaveXXXXleftonmyStandardXXXXplan.FEDLOANisonlycounting1paymentthatqualifies.TEPSLFapplicationskeepsgettingrefusedbythembecausetheyfalselyreportIhaventworkedformyemployerUSOfficeofPersonnelManagementfor10yearsormade120payments.IgetanewdifferentandincorrectcalculationorresponseineachemailorletterIreceivefromthem.Withsomanyfraudulenterrorsbythem,itmustbeonpurposesothattheydontprocessmyloanforgivenessthatIamlegallyowedunderTEPSLFprogrampassedbycongress.Withcorrectcalculation,myloanshouldhavebeenforgiveninXX/XX/XXXX.IvetalkedwiththeirOmbudsman,butstillkeepgettingcalculationerrorsanddenials.Ihavenowoverpaidmyloans1payment,andexpectthemtofixtheirerrorandrefundmeanyoverage.IfforanyreasonIstillneedtomake1or2paymentstosatisfyTEPSLForPSLF,Iwilldoso,buttheyhavenotprovidedmeproofotherwisethatIhaveadditionalpaymentsowed.Theydonotworkwithme,thecustomer,andtheyaretheonlyservicerthatcanprovidemePSLF.Themovedmypaymentsoncetoabout{$1900.00}amonthonPSLFIncomebase,andIhadtoscrambletofixtheirerror.Theyhavethousandsofcomplaintsonlineagainstthem,theyshouldgettheircontractremovedandneverbeallowedtoservicePSLFagainduetopurposefullymismanagementofit,whichisfraudulentandillegal.CEOshouldbeprosecuted.
Consumer complaint received 2024-06-11
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 file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning multiple creditors ' mishandling of collections, charge-offs, and repossession accounts. I firmly believe that my rights under various consumer protection laws have been egregiously violated, and I implore the CFPB to conduct a comprehensive investigation into these matters. 

Upon meticulous examination of my credit report, I have unearthed a myriad of alarming discrepancies and potentially deceptive practices. The following accounts warrant immediate attention due to the gravity of their violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX XXXX numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Hard Inquires XXXX XXXX   XX/XX/2020 Equifax XXXX XXXX XXXX XXXX XX/XX/2020 XXXX   XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 Equifax XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  EQUIFAX XXXX Miscellaneous XX/XX/2020 TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following inaccurate information on my XXXX credit report in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692 ( c ). According to this law, if a consumer refuses to pay a debt or wishes the debt collector to cease further communication, the consumer must notify the debt collector in writing. Upon receiving this written notice, the debt collector must stop all further communication with the consumer. Additionally, debt collectors are generally prohibited from communicating about the debt with third parties. 

I am requesting the removal of the following debts from my credit report : JPMCB Account # XXXX XXXX XXXX Account # XXXX Soc Security Account # XXXX  I previously submitted a request regarding auto information appearing on my credit report with the date XX/XX/XXXX, showing a location in NY. I have never owned this vehicle, and this information must be removed from my credit report. 

Please provide validation for the information in question. If you are unable to provide validation, I request the immediate removal of these items from my report. According to the Consumer Financial Protection Bureau ( CFPB ), these matters must be addressed promptly, and failure to comply may result in further action. 

I look forward to your prompt response regarding these matters. Thank you for your attention to this urgent issue.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have some of my information that is not accurate on my credit profile. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I am self employed OWER OF XXXX XXXX XXXX. My DOB is XXXX my SS # is XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-09-04
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)

Viewed credit report and it shows that XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX am confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXXXXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Last response from Transunion they were going to update the payment history and it was not done. Per XXXX XXXX XXXX, it is reporting correctly.
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

Dear PayPal Support Team, I am writing to you regarding the recent blockage and limitation placed on my newly registered PayPal account. I would like to bring to your attention the fact that I am a new user on your platform and have not engaged in any activities that could have violated PayPal 's terms and policies. 

I understand that PayPal has strict security measures in place to protect its users, and I appreciate your efforts in ensuring a safe environment for online transactions. However, I believe there may have been a misunderstanding or an error in the assessment of my account.

I kindly request you to review my account and provide me with the specific reasons for the blockage and limitation. As a new user, I have not had the opportunity to make any transactions or perform any actions that could raise concerns. I am committed to abiding by PayPal 's rules and regulations and would like to resolve this matter promptly. 

I am more than willing to provide any additional information or documentation that may be required to verify my identity and regain full access to my account. Please let me know the necessary steps I need to take to rectify this situation. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving the issue and allowing me to fully utilize the PayPal services. Please feel free to contact me if you require any further information. 

Yours sincerely, XXXX XXXX E-mail : XXXX XXXX
Consumer complaint received 2019-06-25
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. (MO)

XXXX ; XXXX and Transunion are reporting incorrectly late payments in XXXX, 2019 for the XXXX XXXX  partial account number # XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I made two consecutive payments in XXXX and my regular scheduled monthly payment in XXXX which brought this account caught up and current to date. These late payments should not be reflected on my credit report. This incorrect reporting is harming my credit score.  Please remove these late payments from my credit report.
Consumer complaint received 2023-09-04
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
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. (TN)

TO WHOM IT MAY CONCERN, ACCORDING TO THE LAW AND MY CONSUMER RIGHTS PER FDCPA : The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days since i sent in my last dispute asking for re-investigation and my letters have gone unanswered and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding these accounts listed be deleted IMMEDIATELY!

Account : XXXX XXXX XXXX XXXX Account # XXXX Account : XXXX  XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-11
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. (UT)

I would like to follow up and formally escalate a persistent issue regarding late open accounts that remains unresolved despite multiple attempts to seek resolution. I have previously submitted complaints on [ list dates of previous complaints ], but the problem persists, causing significant inconvenience and frustration. Despite my repeated efforts to address this matter, I have not received a satisfactory resolution. I request immediate attention to rectify this situation. Please provide a timeline for resolving this issue and any steps being taken to prevent its recurrence. I expect a response within the exact timeframe. I request regular updates on the progress of the correction process to ensure timely resolution. The following items should be correted as soon as possible : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-06-11
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-11
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. (OH)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-06-11
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

Third-party Debt collector LVNV Funding LLC Which I have no contract with. This company should not have my information. They are attempting to collect on a paid debt on XXXX XXXX XXXX, XXXX which violated the Privacy Act of XXXX as well as 12 CFR 1022.24 Reasonable opportunity to opt-out because I was never notified by XXXX XXXX XXXX XXXX XXXX that my nonpublic personal information was going to be shared with non-affiliated third parties such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt-out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX, XXXX never sent to me. I am exercising my rights under 16 CFR 313.7 Form of opt-out notice to consumers. I asking them to first prove the contractual agreement between XXXXXXXX XXXX XXXX / XXXX card services and forward to me such an agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account : XXXX Effective Date : XX/XX/XXXX Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX XXXX am now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802. 
I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement.