davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransunionXXXX credit report shows tradeline XXXX XXXX XXXX XXXX, # XXXX and # XXXX late payment date XX/XX/XXXX. The report also show 's 60/90 days delinquent in XXXX, with payments being made i XXXX of XXXX it shows Terms {$0.00} for 72 months. These loan were included in a XXXX in XXXX. The Bankruptcy Code provides XXXX exceptions relating to educational obligations, These Loans met the criteria for dischargeable. They were included in the Discharge of XX/XX/XXXX. 



Transunion/ XXXX tradeline shows contradictions in dates of delinquency ( last payment ) XXXX XXXX or XXXX XX/XX/XXXX. XXXX does not show inclusion of XXXX  XXXX claim status. 

The Bankruptcy Code provides continuing protection from creditors in the form of a discharge injunction. The discharge injunction is authorized by section 524 ( a ) ( 2 ) of the Bankruptcy Code. It provides that a bankruptcy discharge operates as an injunction against an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived. 11 USC 524.The discharge injunction is permanent, survives the bankruptcy case and is always applicable with respect to every debt that was discharged. This injunction is to give complete effect to the discharge and acts to eliminate any doubt concerning the effect of the discharge as a total prohibition on debt collection efforts. This protection is so broad that even creditors who are not noticed in the bankruptcy proceeding, whether inadvertently or otherwise, will also be unable to escape liability ( subject to very limited instances The injunction provides ample and permanent protection against virtually all collection activity. Some common examples include : 1. The sale of a discharged debt to a collection agency. 
2. Phone calls, collection letters and public announcements of default. 
3. Refusing to modify a loan unless the debtor reaffirms the mortgage loan. 
4. Moving to perfect a lien, such as a mortgage, over discharged debt. 
Bankruptcy courts frown upon improper collection activity and use their broad contempt powers under 11 U.S.C. 105 of the Bankruptcy Code to award actual damages, attorneys fees and costs, damages for emotional distress, and, in extreme cases, punitive damages. The same action in attempting to collect a discharged debt may also violate the Fair Debt Collection Practices Act and other state and federal consumer protection laws. In addition, Sections 524 and 362 of the Bankruptcy Code also provide causes of action to aggrieved debtors.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

To Consumer Financial Protection Bureau, I writing with a complaint on all three Credit Bureaus : XXXX, XXXX and Equifax. 

I am an owner within XXXX XXXX XXXX XXXX. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/2023. Based on this open dispute XXXX XXXX put the following comment two different times on my credit bureau reports : Account information disputed by consumer, meets Fair Credit Reporting Act ( FCRA ) requirements. This statement caused my XXXX credit score to drop XXXX points from XXXX to XXXX. Additionally, the Equifax and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. 

I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, based on the statement XXXX XXXX put on my credit bureau file it caused my credit score to drop drastically which was punitive to me. The statement XXXX XXXX put on the account should not have caused my credit score to decrease at all. 

I contacted each Credit Bureau and they removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. I mentioned that XXXX XXXX put this statement on my account twice so again my score is back down to XXXX with XXXX and in the mid XXXX with the other two bureaus. 

I want to know why me disputing a charge is punitive with the credit bureaus. I believe this practice should be looked into. Your assistance is appreciated. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-02-17
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2023-10-25
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

The customer service is extremely poor! It took over XXXX hours of holding and XXXX minutes of talking and I still have no resolution. 

The posted payment due amount changed multiples times leading up to repayment. I paid the last posted amount due and received a letter saying I was past due. I got another letter requesting payment in a new amount, paid it then received another past due notice. 

They misapplied the payment I made in XXXX for XXXX, 2023 and I still have no idea what I should pay because I get different letters/amounts every couple of weeks. I was told that they didn't put all my loans in the XXXX program only the ones that had been in repayment prior the covid pause. The pattern is I get a request for payment in one amount, I pay, they say I am past due then send a new request for a new amount is terrible. 

Separately, as of XX/XX/2023, I qualified for XXXX loans to be forgiven and provided proof. The said it would take up to 3 months to be resolved. They are still reflected online. My payment amounts due were lower with those loans included prior to repayment. Since they placed the mandated administrative forbearance and my payment due amount have increased! I don't understand that and want it resolved. Lastly, I provided a corrected employment verification when I verified I reached XXXX payments and they didn't increase my payment counts despite the same HR person making the correction.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NY)

I have a credit card with US Bank for 10 years. In approximately, XX/XX/XXXX I noticed I wasn't able to use my card. When I called the bank, they told me that I had opened a checking account with them and transferred all the money from my credit card to the account in the amount of approximately {$14000.00} ( based on what they are reporting on my credit report ). They did not provide a lot of detail. They never really specified the total amount of the transfer. They said they would investigate and sent me a new card. They opened a claim, claim number XXXX. 

Side note : When I called to activate my new card, XXXX XXXX, at the bank stated several charges were made in another state, or out of my area. I asked for a statement at this time. It was never sent. I called and inquired for statements several times. They never sent anything, but another card. 

In XX/XX/XXXX, I received a letter stating that my claim for identity theft was approved and that they would remove all reporting agencies. However, instead of clearing my debt, I started receiving harassing calls to pay XXXX. I have several bills from Card Member Services or payment services attempting to collect the debt. When I called US Bank they told me the last time I called and said they didn't know why I was calling. They said the debt was resolved but as of this month ( XX/XX/XXXX ) they sent me paperwork to open a dispute. I sent it back in. As of today, I am still getting a bill for XXXX. I called the fraud department recently to find out the status of my claim about 3 weeks ago and when they heard my name they hung up on me.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (MI)

All three credit bureaus are reporting that I owe someone named credence resource manage a third party who I have no contract with. I do not owe them any money where is the Contract? Yet all three credit bureaus are let them put this on my report and its not mine I spend to much time trying to fix my credit and this keeps happening.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had been XXXX from XXXX of 2020 to XXXX of 2020 and in that time someone had gained access to my unemployment account and stolen all of my money. I reported this to bank of America and unemployment and the bank had credited my account some of the stolen funds but after trying to withdraw money a few times they would freeze my account and it would be near impossible to have them unfreeze it and this went on for over a year until I just gave up. My account would get opened and funds would be taken multiple times that weren't by myself and no matter how many times I tried to get it fixed the bank would just keep telling me I had to take it up with my sponsor. I just want the money that I was owed and I feel I have all the right in the world to get that. It's been such an insane circus show between bank of America and California edd and I just want what is owed to me.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-31
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX  XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/
Consumer complaint received 2024-06-27
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: ID Analytics, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I noticed the above company is the reason a hard inquiry remains on my credit report. The same company is also involved in a collection litigation case. Also, I have requested for this item to be removed from my credit report multiple times, according to the FCRA, 15 U.S.C Code 1681 i ( 7 ) there were no explained reinvestigations on the item therefore I am requesting once more for the item to be removed immediately. Thank you.
Consumer complaint received 2023-08-28
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. (DE)

I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding inaccuracies present on my TransUnion credit report. Despite my initial communication with TransUnion on XX/XX/XXXX, I have not received any response or corrective measures up to the present date. The following outlines the inaccuracies that require immediate attention and resolution : Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} It has come to my attention that TransUnion is reporting inaccurate information for the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ). I have a distinct recollection of the original creditor - XXXX XXXX XXXX XXXX, which is clearly a different entity than the one indicated by TransUnion. Furthermore, I have never entered into any contractual agreement with this company nor have I been contacted by them. TransUnion 's reported Balance of {$1400.00} appears to be higher than I believe it to be. Given these discrepancies, I am disputing the entirety of this account and requesting verification of the Date Opened and Date of First Delinquency. 
Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Similarly, the information presented for the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) is inaccurate. The original creditor for this account is XXXX XXXX XXXX XXXX, not the entity indicated by TransUnion. TransUnion 's reported XXXX of {$1700.00} exceeds the amount I believe I owe. In light of these disparities, I am formally disputing this account and requesting validation of the Date Opened and Date of First Delinquency. 
Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I am requesting a thorough investigation of the information presented on the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). While the original creditor is recognized as XXXX XXXX XXXX, I have not received any communication from XXXX. The reported Balance of {$1100.00} is not aligned with my understanding of the amount owed. In light of these inconsistencies, I dispute the entirety of this account and urge TransUnion to verify the Date Opened and Date of First Delinquency.
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX Account successfully paid from auto insurance company Please remove this account as this account has been paid and settled in full. 
Please remove immediately account has been readded to my accounts. 


After being removed Thank you!!!!! 

Best and kind regards Sincerely XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

XXXX, is in violation of 15 USC 6801 & 6802 by reporting this account ( non-public information ) on my consumer credit report without my prior consent and/or authorization. Credit Acceptance provided no inconspicuous " Opt-out '' or " Right to Rescind '' forms during or after the opening of account XXXX as required by law in accordance with 15 USC 1635. Both XXXX and Credit Acceptance have also violated 15 USC 1611 by willfully providing false and/or inaccurate information on my consumer credit report. As a result, I am harmed due to being denied full access to credit, which has created financial hardships for my family and I.
Consumer complaint received 2024-07-13
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 am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Prosper Marketplace, Inc. (NY)

I contacted Prosper Credit Card after my account was closed due to nonpayment, explaining that I was experiencing financial hardship and requesting to enroll in a hardship program to pay off my debt. However, my email went unanswered, and I continue to receive negative marks on my credit report as a result.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NM)

Citicard canceled my credit card on XX/XX/XXXX after a few weeks of issuance. They replied in email and letter that the reason was my association with a XXXX business. However my association was terminated XX/XX/2022 and I never used the card for any XXXX purchase or business. 
I understand they can cancel cards anytime for whatever reason, so I requested to at least be reimbursed the {$590.00} I paid in advance. They declined and said its non-refundable.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am fully aware that XXXX, XXXX and Equifax have reported negative credit items on my credit report without sufficient legal standing. This action not only contravenes the statutory provisions outlined in the Fair Credit Reporting Act ( FCRA ) but also disregards the principles upheld by the Supreme Court under the XXXX XXXX. The FCRA aims to ensure accuracy, fairness, and the privacy of information in the files of consumer reporting agencies. 
By collecting and disseminating private information without explicit statutory authority, XXXX, XXXX and Equifax is in violation of my rights as a consumer. This unauthorized practice has led to substantial harm, including but not limited to the negative impact on my credit score, which affects my financial stability and opportunities. 
I request that XXXX, XXXX and Equifax immediately cease the unauthorized collection and reporting of my private information and take corrective action to remove any and all negative credit items that have been inaccurately or unlawfully reported. Furthermore, I urge the CFPB to investigate this matter thoroughly and enforce compliance with the statutory requirements as dictated by the XXXX XXXX and the FCRA. 
Please acknowledge receipt of this letter and inform me of the actions that will be taken to address this issue within 30 days. Failure to comply may result in further legal action to protect my rights and ensure adherence to federal laws and Supreme Court rulings. 
Thank you for your prompt attention to this matter.