davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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. (DE)

The following information does not belong on my account and should be deleted from my account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CO)

On XX/XX/XXXX I submitted my PSLF loan application for forgiveness. 

On XX/XX/XXXX I received a letter stating that my employment had been verified and that my loans would be transferred to MOHELA. The letter indicated that the only step left was to check that I submitted 120 payments, and then my loans would be forgiven. The letter asks me to wait for instructions from MOHELA and that this could take up to 90 days. 

I have not received any communication from either MOHELA, FSA, or my previous loan servicer ( XXXX ). It has been one year and 8 months, and I have not received any communication about my loans. When I log into the FSA website it says my loans are serviced by XXXX, but when I log in, I can't see my loans, and my dashboard is blank. 

I have called MOHELA multiple times and re-submitted my application in XXXX of XXXX. The representatives told me that I need to talk to XXXX and the representatives at XXXX had me call the Federal Student Aid number. The representatives there directed me back to MOHELA. No one knew how to help me. I called XXXX again, and they said they don't have a record of my loans at all. They directed me to MOHELA. Since I do not have an account with MOHELA I can not log in, I can not see my loan information, and the representatives on the phone keep telling me to contact XXXX. 

I called again in XXXX of XXXX and the MOHELA representative was able to find my information in the system. She said that a temporary account had been created, and she could see that my employment had been verified but didn't know why I was never e-mailed or sent hard copies so that I could finish setting up my account. She could not manually transfer my loans, but she assured me that she escalated my account and that within 90 days I would receive a communication. Nothing has been sent, and it's been almost 2 years since I applied for forgiveness. I can not see the status of my loans, I can't make monthly payments, I can't do anything. Soon the temporary pause on student loan payments is ending, and I still can not get answers as to what is going on with my loan, and I can not see my balance, interest, or if my forgiveness will go through. This is unacceptable. 

I called again on XX/XX/XXXX and the representative once again told me they would manually transfer my loans, and she could see the one from XXXX, but that it never went through. After lots of pressing on my end, she was able to help me get a log in, so that at least I can log into the MOHELA website and see my blank dashboard. I still can not see my loan information, interest, payments, nothing.
Consumer complaint received 2023-04-29
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. (NC)

XXXX, XXXX is not my name this I have one address I donot live at these addresses have requested it to be remove XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/XXXX
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I received a financial aid stipend on XX/XX/18. On XX/XX/18 my card was charged {$1600.00} from XXXX. I have never signed up for a XXXX account. On XX/XX/18, I opened up a dispute with Amex Serve. I sent in a police report, and a declaration of fraud form. On XX/XX/18, I received an email from Amex Serve saying they're denying the dispute and when I called, they're unable to give me a specific reason as to why the dispute was denied. They're just saying there was no error.
Consumer complaint received 2023-11-28
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)

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 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I asked on the XXXX if I could pay on the XXXX and they would wave the late fee. They said yes. I tried all day on the XXXX to pay what I owe and I could not. The web site was down and customer service would not answer the phone. I just want to make my mortgage payment this month.
Consumer complaint received 2023-11-28
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$19000.00}.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2023 I use my card at the XXXX in XXXX to get gas with a total of {$10.00}. Are use the card at the pump and everything seemed fine until last Friday, XX/XX/2023. I was at my childrens school helping out with play day when I received a notification that my card was overdrawn. Now I knew at the time that I had several hundred dollars in the account as I had just gotten paid a total of XXXX and I had some money already in the account prior. When I opened my app, it showed that several hundred dollars at a time were being taken out at a XXXX so I called reported it told them that I had the card in my possession and that I needed that money to pay my rent that day and they told me that there was really not much they could do. They sent me my new card but the money was held up for a total of 90 days they could not issue a credit. They said they could put in a hardship but it wouldnt guarantee anything. I called to try to ask them what the status was. They said we cant really offer any more information theres really nothing we can do. I really need help getting some sort of credit put towards it especially when it wasnt even a credit card its a prepaid child support card where the money was sitting there, and very obviously not used by me in this instance.
Consumer complaint received 2023-11-28
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. (WI)

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 2023-11-28
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. (CT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
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. (CT)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( XXXX  ) ( XXXX ) ( XXXX  ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A while back, I successfully settled the outstanding balance on my account with XXXX XXXX XXXX XXXX, ensuring it is now paid in full. However, despite this resolution, the entry persists on my credit report. I promptly contacted the company to request the removal of the account, but the issue remains unresolved. Despite my persistent efforts, the inaccurate information continues to impact my credit history. I am actively engaged in ongoing communication with XXXX XXXX XXXX XXXX to address this discrepancy promptly. It is crucial that the necessary steps are taken to rectify this issue and update my credit report to accurately reflect the current status of my account. I remain steadfast in my commitment to resolving this matter and maintaining the accuracy of my credit history.
Consumer complaint received 2023-11-27
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)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2024-04-14
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. (IN)

Subjet : Problem with Company 's Reinvestigation XXXX. 
To whom it may concern, I told Transunion Credit Bureau to reinvestigate the disputed accounts Transunion said they have verified the accounts as accurate from XX/XX/2024. I have checked my credit report on XX/XX/2024. Everything is not complete and accurate on my credit report. I did not know how Transunion did to verify the disputed accounts as complete and accurate. I did not receive any documentation from Transunion as requested. I don't know what Transunion did or who they talked to during the reinvestigation process. I am required by law to receive all documents as requested. I noticed some things on my credit report are not complete and accurate. I asked Transunion to modify, update or delete disputed accounts. Nothing was modified when I checked my credit report. Since Transunion did not fix or delete these accounts, I called Transunion to send me a full and complete file disclosure of the reinvestigation process. How did they communicate with these debt collectors, what was in the results of the reinvestigation? The name of the company? 
I was told by a Representative of Transunion they will not and can not provide me with the results of the reinvestigation. I said according to the FCRA law, I can request a full copy of the reinvestigation after that conversation, I was hung up on. This is a blatant violation of my rights under the FCRA law. 15 USC 1681 states I have a right to privacy. 15 USC 1681 Section 604 A, Section 2, a consumer reporting agency can not furnish a account without my written instructions. I have sent in all the proper documentations Transunion has asked for to remove the disputed accounts. All the FTC reports, police reports and the State Attorney General reports and Transunion has lied to me. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-08
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-08
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: National Credit Systems,Inc. (TX)

I have filed several disputes with XXXX and they have not properly resolved my issue! This account has been deleted from XXXX and XXXX due to the companies lack of information! I called XXXX on XX/XX/ to ask how did they validate the information and I was told that the company verified by just saying it was me without having to show XXXX actual proof like a signed contract with both parties signature or no proof of some type of relationship between me and National Credit System. I have given XXXX my Identification and past addresses history bank statements to prove that this is not my account and that i dont have any relationship with them This company has not provided anything but a word which is a violation of my rights I need them to provide me with actual proof or delete immediately because this has caused enough damage
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

All of my credit cards have a three-year pay off amount. I believe this is required by law. My Chase Amazon account does not have it. I have requested this figure be provided to me twice, once on the phone and once in writing. Both times I was told this was not possible.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (WA)

XXXX XXXX provide XXXX account. The bank offered a privacy opt out option to call toll free XXXX. However, when I called the number there is no single option to allow me to request " opt out '' from marketing out reach.
Consumer complaint received 2024-04-14
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)

Was in the process of applying for an house and notice there are damages on my credit report that's affecting me. According to 15 U.S.C 1681 there should not be any damages on my credit report. This is defamation to my character.
Consumer complaint received 2023-06-08
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. (ME)

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditors listed below during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 
( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

Account Name : XXXX XXXXXXXX Account number:XXXX  Inaccuracy Report Date : XXXX Late Payment Account Name : XXXX XXXX Account number:XXXX Inaccuracy Report Date : XXXX Charge off/collection. 

Account Name : XXXX  XXXX Account number:XXXX Inaccuracy Report Date : XXXX Late Payment Account Name : XXXX Account number:XXXX Inaccuracy Report Date : XXXX Late Payment/ Charge off. 

( II ) Covered period. 
The term covered period means the period beginning on XX/XX/XXXX, and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et se
Consumer complaint received 2023-06-08
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. (NY)

I contacted Experian about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description of the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (GA)

I contacted XXXX XXXX on XXXX XXXX XXXX  to pay a previously negotiated settlement amount of {$100.00} to settle a {$530.00} charged off credit card debt. XXXX XXXX took my payment and provided a confirmation number then told me they would update the status of the account. Today XX/XX/ I was alerted that a collection was added to my credit report by a third party collection agency United Collection Bureau. When I contacted the collection agency I was informed that they owned the debt and provided a fax number to submit proof if the debt was settled with XXXX XXXX. When I spoke with XXXX XXXX I was told that although my settlement payment was taken the debt was sold to a third party and there is nothing they can do.