davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (MA)

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. 

I told the Transunion to reinvestigate these accounts : Account name : XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-11-29
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today, XX/XX/XXXX. I tried again to fix this account which Ive been having problems from a couple months back. This is really affecting my personal life and also giving a really hard time for me and my family. This account is not accurate. Its not mine, I called them and confirmed that they have my birth date as XX/XX/XXXX. And I asked XXXX and Transunion to do a full investigation on this account. They came back with it as confirmed which tells me THEY DID NOT complete a full investigation according to the FCRA. For instance I please ask for this account to be PERMANENTLY DELETED from my credit reports. Besides it was already deleted from my XXXX credit report. But not from the before mentioned bureaus. they violated my rights not once but a lot of times by taking more than 30 days to respond to my first complaint and then not completing the investigation how I asked them to. 

Besides for extra evidence of this account with many errors I attached a screenshot of my credit report where it says the account was also paid off in full since XXXX. 

XXXX # XXXX
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-06-29
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. (NJ)

in accordance with the fair credit reporting act XXXX  account # XXXX - XXXX XXXX. 
has violate my right. 
15 U.S.C 1681 section 602a. state 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 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (MI)

I opened up an XXXX XXXX XXXX credit card through XXXX in XXXX of XXXX in large part due to a promotion where I will receive a {$200.00} statement credit each year I spend {$6000.00} on the card. I was able to successfully and without issue use this benefit in XXXX and XXXX. 

In XXXX or XXXX of XXXX, I called into customer service at XXXX with a question regarding when the {$6000.00} spending requirement begins. Specifically, I wanted to know if the spend requirement was based on calendar year spending ( XXXX through XXXX ) or based on the XXXX months following the date of account opening. I was EXPLICITLY informed by the customer sales representative that the bonus was based on calendar year spending. Acting on the information provided to me by the representative of XXXX, I was able to meet the {$6000.00} spending requirement in XXXX by XX/XX/XXXX. 

However, after about XXXX months, I noticed the {$200.00} statement credit had not posted so I reach out to customer support. I called their customer support team again in XX/XX/XXXX spoke with multiple folks from customer support about the issue, and they informed me that the promotion is actually based on the date of account opening and they denied me the {$200.00} statement credit. They said my spending was XXXX month too early to qualify. 

I insisted they review the call I made to their support team in early XXXX. After they reviewed the recording, they admitted that I was given incorrect information from their agent. However, instead of acting in good faith and crediting my account the {$200.00}, they informed me that they will not do so because I still have approximately 10 months to spend an additional {$6000.00} on their credit card. Frankly, I was quite frustrated and upset because I was previously given explicitly contrary information to what I was now hearing. It is now difficult to know which customer representative to trust and I feel like they are making excuses not to have to provide me the {$200.00} statement credit. 

I appreciate your help and support in resolving this matter so that it does happen to other people in a similar situation.
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (SC)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XX/XX/XXXX.That date is on record.Therefore, this public record should not be on my credit reports at all
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a XXXX  party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened XX/XX/16 XXXX {$750.00}. Im attaching the required XXXX Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXXXXXXXXXX XXXX XXXXl law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX XXXX XXXX.. and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX  true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( XXXX ) are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind.
Consumer complaint received 2021-01-05
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: ATG Credit, LLC (IL)

On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from ATG CREDIT and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXXXX/XX/XXXXXXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2023-06-30
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: BARCLAYS BANK DELAWARE (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

XXXX has failed to supply information on WHOM has attempted to validate alleged debt. 

Request for detailed information was submitted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

30 days were allowed for written notification of supplying verifier information & has not been received.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NY)

XXXX XXXX has fallen victim to identity theft orchestrated by Early Warning Services , LLC. This company has engaged in the unauthorized sharing of XXXX XXXX 's personal information with third parties, all for their own financial gain. In response to XXXX XXXX 's demand for the removal of all personal data associated with her social security number, Early Warning Services , LLC left a voice message. This message appeared to be a deliberate attempt to manipulate XXXX XXXX by falsely claiming that the removal of her information would hinder her ability to open bank accounts or acquire credit cards. This assertion is entirely false and constitutes a form of extortion, aiming to withhold consumer rights under the guise of deception. 

XXXX XXXX is resolute in her stance and will not be deterred, as her right to privacy remains inviolable. Please refer to the attached documents for further details.
Consumer complaint received 2023-06-30
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. (CA)

I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXXdischarged Reference XXXX .Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2021-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

We applied for covid relief in XXXX which was approved. XXXX added {$4000.00} for deferred principal XX/XX/XXXX, which XXXX on XXXX and XXXX XXXX was applied to escrow, XXXX on XX/XX/XXXX and XXXX on XXXX was applied to principal, XXXX difference was not applied anywhere. 
Than lender added another XXXX to deferred principal which that money was not applied anywhere. 
They also charged us XXXX for late fees on XXXX and XXXX. 
Fees were suppose to be waived.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX Is Reporting As A Repossession for {$300.00} To The Credit Bureaus When Ive Disputed Multiple Times That It Was Paid Off By XXXX And XXXX took possession of the vehicle XX/XX/2021.
Consumer complaint received 2024-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Another issue occurs on XX/XX/XXXX when I agreed to a preliminary agreement, and I call it such because it is missing the defining features of a contract. Missing was the interest rate, amount to be paid every month and the time it is to be paid. There was no required uploading of consent validation or drivers license identity verification, and no provided pre-loan education, as historically this was mandatory. The paperwork used : XXXX XXXX. XXXX Exp. Date XX/XX/XXXX, and its expiration is evident as it refers the borrower to check ( NSLDS.gov ) National Student Loan Data System for contained information about the loan and payoff. This website is not accessible. Furthermore, Nelnet told me that loan AD can take 8 months to consolidate. They failed to mention it can be as soon as 22 days! XX/XX/XXXX, they consolidated the loans. And I come to find out that I would not be eligible for the Presidents forgiveness and a higher interest rate upon consolidation. To sign a new contract that is so disadvantaging to one party, should require proof of further education, before contract is finalized. XX/XX/XXXX I emailed nelnet and XX/XX/XXXX Department of Education, informing them that what occurred XX/XX/XXXX was a serious breach in contract, to say the very least. 
Other issues : Fixed interest rates are treated as variable, loans with the highest interest rates are paid the least, prepayments or payments beyond what is due will stop the loan from getting paid so it yields great capital gain for the servicer. This occurred with my account, despite the Borrowers Rights, stating that Your servicer can provide more information about how prepayments are applied. The servicers know as little as borrowers ; nevertheless, they are omitting and misleading people while representing Nelnet. I have been a XXXX XXXX for XXXX of the XXXX years and would have signed up for the Public Loan Forgiveness Program .