davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (CT)

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.

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 2024-04-11
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. (MI)

I am writing to you for the XXXX  time in an attempt to resolve persistent inaccuracies on my transunion credit report. Despite multiple requests for reinvestigation, the responses received have not adequately addressed the discrepancies in question. 

upon reviewing my transunion credit report once again, I discovered that it still does not align with the information provided by XXXX or XXXX or XXXX. This inconsistency is deeply concerning, especially considering Transunion's 's obligation to ensure the accuracy of the data it reports. I've attached a copy of credit report and a complaint letter, Please update these accounts with the correct data or delete from my credit profile asap. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

On XX/XX/XXXX, I applied to continue my service in the XXXX XXXX XXXX XXXX as a dentist, and therefore receive a {$20000.00} award to apply to my qualifying federal student loans. As part of that application, I was required to submit documentation proving that I applied the totality of a past {$50000.00} award to qualifying student loans in the past. 

At this point I logged into my Edfinancial account only to find that nearly my entire payment history had vanished. I tried to call their customer service line, and due to call volume and long wait times, I set up a call back ( which I never received ). I also submitted an inquiry via email. In the meantime, I was able to identify when the payment was made by digging through my old bank statements. I included the relevant bank statement in my award application rather than any sort of documentation from Edfinancial. 

Finally, on XX/XX/XXXX, I received an email from Edfinancial. This email included what appears to be a full payment history for my account, including, most importantly, the {$50000.00} payment that I made toward my student loans on XX/XX/XXXX. However, this information arrived via a simple, copy-and-pasted chart in an email, rather than in any sort of official document. Regardless, I sent this information to XXXX ( in charge of the XXXX XXXX XXXX XXXX XXXX ) and within a day I received a response that this information was still not eligible. In reality I need official documentation including the following information as it applies to that single, {$50000.00} payment : Lenders name Account holders name Account number Date of payment ( s ) Amount of payment ( s ) I have reached out to Edfinancial requesting this information again via phone and email, but I have not yet received a response. Most disheartening, if I don't have this document by XX/XX/XXXX ( less than two weeks from now ), I will lose my eligibility for the program for this upcoming year and I will forfeit my {$20000.00} award through no fault of my own. I will likely have to leave my non-profit, public health job and join a private practice in order to continue making my student loan payments.
Consumer complaint received 2024-04-11
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. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees
Consumer complaint received 2024-04-11
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)

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reporting these accounts as Charge-Off but creditor/credit report agencies was unable to issued Form 1099C. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES. Accounts must be Deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX showed account was verified by XXXXXXXX XXXX XXXX XXXX  and I disputed the accuracy with XXXX XXXX XXXX XXXX XXXX XXXX, and they do not provide bankruptcy information to TransUnion. XXXX and XXXX is not reporting bankruptcy on my credit file. 

XXXX XXXX XXXX XXXX results showed account was Deleted and still is on my credit report as XX/XX/year>. CFPB -See Claim XXXX where TransUnion stated account was DELETED. 

Self Lead Account TransUnion is reporting inaccurate and incomplete information because account showed as pay as agreed and late 30, 60, 30 as the same time. Terms XXXX per month. Delete this account from my file.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had got behind on my payments. When I able to make payments, I logged into the website and it states that I am in collections with XXXX and to call them at XXXX and have to make payments through the collection agency ; {$920.00} for XXXX  months and they are adding monthly interest of {$76.00} back to my balance. I see the payment of {$920.00} was updated to my account but my credit report shows that I have not made any payment for over XXXX  months. That's incorrect. 

The website states that my next payment is due on XX/XX/2024 for {$120.00} which is not what was said previously. 

When I look up the debt on my credit report, it's for their previous company name, XXXX XXXX  XXXX. This doesn't even match who they are now. It shows I'm in collection but it is not coming up as a collection on my credit report. They are making even more money on me by adding back interest like they are a collection company. They are supposed to be helping small businesses like myself but are inactuality making money off of us.
Consumer complaint received 2018-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

I purchased my home in XXXX of XXXX. XX/XX/XXXX, I filed for a loan modification due to the fact my husband was unemployed as of XXXX, XXXX. I submitted all the required forms. No action was taken and my payments actually went up. They state they never received this. 
Since that time, I have tried working with this company while my husband had temporary jobs. I have called several times to make a payment or partial payment, with the rest payed on my payday. I was told that I needed to pay the full amount due right then. 
When I was told to use a bank check, they would send the check back to me weeks later and tell me that the total amount was due. At the present time, I had sent two bank checks totally about {$4000.00} to them, which they tell me they never received, but sent back two monthly payments, one before these checks and one after. 
They have left notices on my door as well as having someone taking pictures late at night of my house and vehicles. They are unwilling to work with me in any way. I have XXXX children and have tried working with them for several years. I would like to find another mortgage company, but they have ruined my credit, making that impossible.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-01
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: Global Lending Services LLC (TX)

This involves XXXX companies that made hard inquiries. XX/XX/2023 and XX/XX/2023 by XXXX XXXX XXXX. XX/XX/2023 by XXXX XXXX XXXX and GLOBAL LENDING SERVICES LLC. XXXX other company XXXX in XXXX XXXX XXXX have removed their inquiry? 

I noticed these back in XXXX but now realized my account was sent to the XXXX XXXX XXXX XXXX agency on XX/XX/2023 by XXXX XXXX XXXX AND XXXX in XXXX, XXXX for XXXX. I also have another one through XXXX XXXX for XXXX on XXXX XXXX from XXXX, XXXX 

Someone living in XXXX XXXX, XXXX or working with XXXX XXXX XXXX XXXX have my information. Their emails could be XXXX or XXXX. Their phone numbers could be any of these : XXXX ; XXXX ; XXXX ; XXXX. 

I called each of the XXXX companies at the top of this message. No good information was given or either I couldn't contact them.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (WI)

XX/XX/XXXX and XX/XX/XXXX negotiable instruments were accepted by First National Bank Omaha but were not applied to my account. XXXX XXXX kept the instruments and likely used them for their own purpose. This is illegal.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AR)

I was having problems with purchasing something online through my debit card so I decided to contact my bank in order to see what was wrong. In the midst of me calling, I made an error by calling the wrong support number. In that act the person was posing to be a support representative. They then asked me to transfer money to this specific account $ XXXX with a phone number of XXXX. I provided my bank with this information and within XXXX hours they denied my claim and for days I have been making rebuttals to ensure that this is a scam, yet they keep denying me. I lost {$1200.00} and it has put me in a financial XXXX. This is Chime banking.
Consumer complaint received 2023-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

There is a lawsuit against USA Auto Sales I would like to know why is this issue occurring. And Im paying my car note now to west lake portfolio management. Is this a legit company to pay my car note toAnd I also think they charged me too much interest on the car loan. I need to know whats going on.
Consumer complaint received 2023-02-19
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. (NY)

I have requested the inquiry dated XX/XX/2021 from XXXX XXXX be removed. I never applied for a mortgage in XX/XX/2021 nor have done any business with XXXX XXXX.
Consumer complaint received 2023-07-31
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'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 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 2019-06-06
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. (TX)

Equifax and XXXX  are reporting incorrectly that I am 90 plus days late on the XXXX/XXXX   XXXX/XXXX/XXXX/XXXX and XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4,  5, and 6 of the attached credit report. These accounts report a {$0.00} past due. There are also duplicate entries of the same accounts ; the date of last activity is incorrect ; the status being reported is inaccurate ; and some accounts have been transferred and should not be reporting at all. These accounts are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores.
Consumer complaint received 2023-10-11
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information. 

PERSONAL INFORMATION : The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX Westlake Financial SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : WFS - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I deposited my Bfs XXXX Tax Return check into my Chase account on JXX/XX/XXXX after speaking with the teller and she informed us that we could do a 3rd party deposit. After depositing, they put a 7 business day hold on it which was set to expire on XX/XX/XXXX. We go to bank the following day and speak to the same teller, she said they need to verify my BF authorized me to deposit his check into my account, though we were together at the bank initially. So she called I suppose the fraud department, and after a few minutes the teller asked for his phone number so they could call my Bfs phone and verify he authorized me to deposit his check. After the 7 day hold was up, they didn't release the money, so we went to the bank and spoke to the manager, they said someone decided they need a different number to verify me with. 3 days later they close my account, mailed me a check for some money that was already in the account, but they are withholding his refund check of {$4300.00} still in some limbo account. He even went and got a new, post paid XXXX account in his name, yet still can't get past verification. They refuse to allow him to get his money or return the check or anything because a phone number verification nobody has control over. We've gone in together with IDs, is a US Treasury check, and been cleared a month now. We even have gone into the branch with the IRS on the phone. Just need the money released. Please help.
Consumer complaint received 2024-04-11
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. (CA)

I'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. XXXX XXXX  XXXX.
Consumer complaint received 2024-04-11
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. (IN)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 You are required by law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you