davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I hope this letter finds you well. I am writing to request the removal of outdated accounts from my credit report. After reviewing my credit report, I noticed that there are several accounts that are more than seven years old and should no longer be reported.
Consumer complaint received 2023-12-06
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)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (NY)

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 2024-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

In XXXX I began attending college at XXXX XXXX XXXX. Like any college student a main concern of attending college is " how will I pay for it ''. With no assistance, or knowledge about loans my mom and I began looking for loans we would be able to afford while I was in school. XXXX of the loans that caught our eye was from XXXX XXXX with a loan payment of only {$54.00} a month. It seemed like a no brainer. We received our first disbursement on XX/XX/XXXX in the amount of {$4900.00}, second disbursement on XX/XX/XXXX in the amount of {$900.00}, and the last disbursement on XX/XX/XXXX in the amount of {$4900.00}. Since XXXX my parents have been paying double the {$54.00} monthly payments on the {$10000.00} loan. It is now XXXX and we still owe {$5600.00} on a loan from XXXX. Since then, the loan has transferred to Firstmark. I honestly didn't know my parents were still paying on this loan until recently. I mean it was from XXXX. When my dad called Firstmark to understand why this loan really wasn't getting paid down the representative told him it would never be paid off and his best bet would be to take out another loan elsewhere with a lower interest rate. It currently accrues a daily interest rate of {$1.00} and is a variable loan. The estimated Total Interest Accrual is {$4700.00}. To me this loan was complete theft and took advantage of parent 's trying to send their kid through college. It seems very familiar to what happened in XXXX to XXXX XXXX with their illegal student loans practices. XXXX XXXX is the real culprit here. Before the loan was transferred to Firstmark my dad said he tried requesting documentation about the loan and payments and they said they would mail documentation, but it never came. Even the lady at Firstmark agreed that this is a never-ending loan. I wonder how it is even legal to do this to a person?
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NV)

I applied for a loan for dental work XXXX years ago. I applied online and spoke with a representative over the phone. 
I was told that it would be interest free for XXXX years. There was no hint whatsoever given that there would be anything other than the standard interest charged monthly at the end of the XXXX year period. 
Even looking at the paperwork I received I did not see anything that would lead me to believe otherwise based on my limited legal knowledge and having never used a credit account like this. 

Now at the end of the XXXX year period I was just charged a massive cumulative interest payment that I was shocked to see and greatly affected my credit score. 

I am sure that care credit has some way around this legally. I can see that there is a section dedicated to this on each statement. Unfortunately myself, just like many consumers use a mobile app to pay monthly bills like this and do not receive statements in the mail or otherwise. I looked at my initial paperwork to the best of my abilities and trusted that I was being given accurate and complete information by the representative. 

If I had known there would be a cumulative deferred interest payment that would be equivalent to more than XXXX  % of the original value of my loan that would hit my account after XXXX years I would have absolute contacted another lender or made plans to ensure that the account was paid in full by the end of the promotion. 

Additionally the representative asked me over the phone if I wanted a credit card and I stated that I did not. I only wanted this to be an installment loan, but I received a credit card by mail anyway. 

I have attached the most recent statement showing the {$3600.00} interest charge that is equivalent to more than XXXX % of the original loan value.
Consumer complaint received 2024-01-11
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. (TX)

I sent documents in the Transunion last month to have fraudulent inquiries removed from my credit report and I have not received a response. So, I am uploading everything here in hopes to get this matter taken care of.
Consumer complaint received 2023-12-06
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. (PA)

Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, Please Delete these Inaccuracies on my XXXX XXXX
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I am an American Exlress Centurion Card holder, their highest level card. I have been an Amex member for 30 years. For some reason Amex has frozen my membership rewards account, which contains over 275,000 points. This occurred on XX/XX/2018. I have spoken to numerous supervisors and no one can explain why this account was frozen it when it will be resolved. It is the most ridiculous process I have experienced. We have lost the ability to buy a ticket for our XXXX trip next summer. I am considering canceling all my Amex cards and have let them know.
Consumer complaint received 2018-11-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (WA)

I have spoken to this debt collection company and advised them this account is disputed and even provided my correct mailing address. I have never received any documentation from them, They had an incorrect address for me, somewhere I lived years ago. I was told this is a payday loan that was taken out online but they have not provided me any documentation to validate there claim.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 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 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 CONSENT 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 the delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX  Account XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to bring to your attention a matter of utmost importance regarding fraudulent items on my credit report. Despite my repeated attempts to rectify this issue, the fraudulent information continues to adversely impact my credit standing, causing substantial harm to my financial well-being. I first discovered the presence of fraudulent items on my credit report. Since then, I have made several attempts to dispute and remove these inaccuracies through the established dispute resolution process. Regrettably, these efforts have not yielded the desired outcome, and the fraudulent items persist on my credit report. This situation is not only damaging my creditworthiness but also causing significant distress and inconvenience. I am seeking your urgent attention to address the following matters : A comprehensive and thorough investigation into the fraudulent items on my credit report. Immediate removal of the inaccuracies from my credit report to prevent further harm to my financial standing. Confirmation of the resolution and an updated credit report reflecting the accurate and corrected information. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe it is crucial to rectify this matter promptly. Failure to address and remove these fraudulent items may compel me to take legal action to protect my rights and seek appropriate remedies. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX has 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 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 2018-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc. (WI)

Bill was sent to Mom in XXXX. It was an XXXX bill pertaining to a XXXX appt. for my Dad, who died in early XXXX. I called XXXX to see what action should be taken as my Mom doesn't have the money to pay this bill, and it was my father 's bill. They said my mother had to pay the bill. No payment plan was available. Apparently, XXXX then changed the address to my Mother 's name to send more bills. 
I took the bill and paid it XXXX XXXX. This week Mom got another bill from XXXX 's collection agency, Alliance Collection Agencies , Inc. of XXXX WI. 
This bill/letter is mostly in " bold '' print and threatening debt collection judgement against my XXXX year old Mom, and the bill was already paid! I called XXXX and they said they had recieved the check in XXXX, but it was sitting in an " ink '' account and did not get processed. 
What is an " ink '' account? And why would they not process the check and send it to a collection agency, even though they have their money? This is a bad practice!
Consumer complaint received 2023-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-06
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2023-12-06
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. (NJ)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
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 first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

XXXX reported my account late wrongfully on XXXX. They removed it and put it on XXXX then removed it and now they put it on XXXX. Every time they say they will fix the problem they then add it to a different credit bureau.
Consumer complaint received 2023-04-25
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX /XXXX XXXX XXXXXXXX Balance : {$2700.00} SXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXS XXXX Balance : {$850.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX # XXXX Inquiry : XX/XX/XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX