davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-05-13
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to correct or removed immediately : XXXX XXXX XXXX XXXX Owed : {$28000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} -Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$860.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - I believe this account is reporting inaccurately. I do not recall ever
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (IN)

XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on XXXX they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off account.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

All my data was sold by XXXX and possibly to many other unknown companies starting several years ago potentially as far back as 2007, even during my time in the XXXX XXXX. Between then and now I am not sure to what extent my personal identity and information has been breached and shared. There is an XXXX XXXX account that I am not aware of in collections. There are three unknown hard inquires on my report as well. There is also a XXXXDept of Ed account that should not be there, as that loan is not valid because the original loan was cancelled as a result of a class action lawsuit ( Sweet v. Cardona ) XXXX I also did not give, authorize, or provide any WRITTEN CONSENT for any of the information shown on my credit reports of which are being reported by these reporting agencies.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As I was reviewing my credit report on XX/XX/2024, I saw some disturbing and harmful information. I called XXXX and sent in writing requesting that they please remove the inaccurate information and to please provide me with the original documents showing me where they received this information. XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX, and XXXX  all stated that they do not give out nor share my personal information. Once I tried to resolve the issue and they weren't cooperating, I was left with no other option, except to reach out for help.

5 U.S.C 552 a ( i ) ( 1 ) 5 U.S.C.552 a ( i ) ( 2 ) 5 U.S.C.552 a ( i ) ( 3 ) FCRA
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-04-27
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

I applied for the SAVE plan for my federal medical school loans back in XXXX. On my Nelnet account, it says that they received this information on XX/XX/2023, however it is 2 months later and it still says that my IDR payment plan is still processing. I have contacted them numerous times to get an update on my situation, but all they say is that there is a backlog and they will send me updates every 10 days, which they have failed to do. This has cost me over {$2000.00} in interest so far that would have been nullified if they had processed my application and put me on the SAVE plan in a timely fashion.
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

I am looking to receive a refund on an over payment made to a closed account. 

On XXXX I paid my final monthly payment on my old vehicle. This turned out to be an extra payment when the account was closed. I was not notified by email or phone and a check was sent to my old address. This address was not updated on my old account because I moved after the final payment was auto drafted several weeks prior. I found out by checking the Massachusetts state treasury site that Ally auto had sent this check to me and it was never cashed. 

I have now been in contact with ally auto and they confirmed my account and the check amount of XXXX. This amount matches the states record. I have an open case with them under case number XXXX. 

When I spoke with them XXXX I was told my check would be mailed to my current address and to reach out to them after XXXX business days if I did not receive it. Now when I called to check on the status I am being told I need to reach out again and that it will take 6-10 weeks to process my request. 

The amount has been verified both by the state and the company. I would like this matter to be resolved with a more appropriate timeline. Please respond with a contact number or email I need to help settle this matter.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX # 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion is reporting a late payment on my credit file from XX/XX/year>. I've continuously asked TransUnion to verify the information and what process they used to verify the information and they just ignore me.
Consumer complaint received 2018-02-11
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: EOS Holdings, Inc. (CO)

Hello, So I have an account with XXXX and XXXX that popped up on my credit report a few months ago. This is total fraud as I have had XXXX XXXX XXXX for the past 3 years. I have filed a police report on the incident, sent the documents to the credit agencys as as XXXX and XXXX. However, it is still pulling on my credit. The accounts are not mine and they will not take it off. I've asked for a validation of the account and still nothing. 

Please help. 

Regards, XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

i writing to formally request the removal of unauthorized inquires from my credit report. inquires on my credit report that i did not authorize or recognize. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I had them investigate inaccuracies on my credit report. They finished the investigation and there were still inaccuracies '. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to understand the basis for any determination made during the reinvestigation process. I sent them a letter asking for information and they failed to deliver them in the timeframe allowed by law.
Consumer complaint received 2023-11-02
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. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

There are two issues Im having with Nelnet. First being that when I consolidated my loan their system mistakingly put me on the standard repayment plan when it should have been the extended repayment plan. The second being they took my first payment on XX/XX/XXXX when my first payment wasnt schedule until XX/XX/XXXX. They have send multiple emails showing {$0.00} due for XXXX and in my portal it has always shown a XX/XX/XXXX date as the first payment date. In them taking out the payment a month early I was not prepared to pay the {$540.00} out of my account and they ended up taking my car payment money and some of my mortgage payment money that I had in that account that will be taken out in a day or two. I have tried to call them at least 4 times for the consolidation thing and 1 time for the payment with no luck of getting through with hold times of 35 minutes, an hour, an hour and 20 minutes and an hour and 55 minutes today for having to hang up. Ive then tried to email them multiple times to address both issues and just receive back a generic email stating they arent responding to emails right now. With no reasonable way of getting ahold of them I havent been able to resolve anything. I also didnt receive an email notification stating a payment was coming up for the {$540.00} on XX/XX/XXXX or a payment confirmation email after they took it out which I believe is a mandatory thing they have to do as a servicer. It has been nothing but stress after I got transferred to them.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On 1 of 2 of the Charge Offs the account has repeatedly been updated as charge - off every month. This is an update on the payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Consumer complaint received 2023-11-09
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. (NY)

For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification.

I will attach my credit report you will see the clear errors.

from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.
Consumer complaint received 2023-05-02
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. (NJ)

This is my third requests, the unverified inquiries listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These inquiries must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these inquiries, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
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. (TX)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.