davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-05
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 (PA)

Mohela notified that they were transferring platforms in XXXX, and that this would take XXXX months. During this time, it was impossible to make a payment since your could not log in to the old website ( and the autopay that I had set up was not withdrawn from on schedule ). On XX/XX/year> was finally notified that my account transfer was complete and I could make my new account on the new website. This alerted me that my account had been placed into an administrative forbearance from XXXX, and that my repayments would start XX/XX/year>. Today XX/XX/year>, they sent notice that there would be a " repayment schedule change '', which amounted to a notice that interest on my consolidated direct unsubsidized loans ( XXXX ) would be capitalized, even though I did not have a capitalization event as defined by Federal Student Aid for this type of loan ( ie did not request a deferment, did not change/leave my income driven repayment plan ). Nothing about my loan, payment, employment etc should have changed, but because Mohela is so mis-managed and corrupt, they have completely botched this transfer to a new website and are now going to be reaping benefits by capitalizing interest on student loans when they shouldn't be ( all so they can make more money ).
Consumer complaint received 2023-06-22
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. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

DEAR CB/EXPRESS ; I was shocked when I reviewed my credit report and found late payment on the dates below : [ XX/XX/XXXX ; XX/XX/XXXX ; XXXX TO XX/XX/XXXX ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (AZ)

Last year XX/XX/XXXX Our company bought XXXX XXXX XXXX XXXX account number : XXXX. 

Right after ( XX/XX/XXXX ) we found electrical problems dealership fixed them but problem continued and a XXXX  complaint was filed, On XX/XX/XXXX our truck was in an accident the electrical problems continue and dealership blamed them on the accident, we file a complaint with XXXX resolutions management XXXX XXXX with phone number XXXX ext XXXX was the person in charge, dealer continued to blame problems on accident kept the truck for longer than needed and a rental reimbursement was implied on our email, phone conversations at the end XXXX resolutions and dealership denied the reimbursement and due to their very busy schedule they didn't begin any work, we picked up truck and fixed it with someone else, all conversations were recorded and emails kept on our files for future escalation. Our insurance paid for the repairs with checks that were sent to XXXX according to their procedure, repairs were actually paid from our pockets and now we are requesting our reimbursement, when we call customer service it seems like the information is not properly managed with people telling us different information. 

We ask for our reimbursement to be completed as soon as possible if you need to review the case ( s ), complaints internally that would be great, it would help us all very much, We are very disappointed with all this negligence but XXXX has better quality than XXXX for our line of work please help us to stay with you.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX XXXX is 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 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have noticed XXXX inquiries on my Transunion report that I didn't authorize, and as a victim of identity theft I have an active alert that I Must be contacted prior to opening any accounts under my name and bothe companies has failed to do so and failed to maintain their due diligence which is required by law and at least contact me prior but their lack of care resulted on XXXX unauthorized access to my credit report and in addition XXXX inquiries that does not belong to me.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or repair the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to TransUnion on XX/XX/XXXX. Regrettably, I have not received a response from TransUnion to date. As per the provisions of the Fair Credit Reporting Act, I am seeking your assistance in resolving this matter. 
Below are the specific inaccuracies that require correction on my credit report : Account Name : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} I can confirm that the aforementioned account was never late. The reported information is inaccurate, and I kindly request that you correct this discrepancy on my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} I can confirm that the specified account was never late. The reported information is incorrect, and I request that you update this inaccuracy on my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} I can confirm that the indicated account was never late. The reported information is inaccurate, and I request that you correct this discrepancy on my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$11000.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} I would like to bring to your attention that the account mentioned above is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Original Creditor : XXXX  I can confirm that the specified account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report. 
Account Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : XXXX I can confirm that the indicated account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report.
Consumer complaint received 2023-06-22
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. (NY)

on XX/XX/2023 I have submitted a written letter to all 3 major credit bureaus, and also the actual companies of the alleged debt, explaining my rights as a consumer and how there have been inaccuracies on my credit report that's being hindering me. According to the congressional findings statement and purpose, As a consumer I should be entitle to fair and equitable credit reporting for consumers like myself. It's now been over 60 days and I have not yet seen any removal from the alleged negative items listed on my credit report for the following accounts listed below. My information was also impacted by the XXXX data breach and may have got into the hand 's of the wrong person. This caused me on going stress and I would soon have to file for litigation due to this amount of stress. 
XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX SXXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Collection Account : XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (PA)

This is the 2nd time this was submitted to the credit agencies. Last year it was a different collection agency and it was disputed and taken off my report. This was for an XXXX XXXX XXXX phone bill in Texas. This is not my bill but I dont know if its identity theft or mistaken identity
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report as provided by TransUnion. Despite my initial contact with TransUnion on XX/XX/XXXX, I have not received a response to date. In accordance with the Fair Credit Reporting Act, I kindly request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} I confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} I confirm that the specified account was never late. The reported information is incorrect, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} I confirm that the indicated account was never late. The reported information is incorrect, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} I confirm that the specified account was never late. The reported information is inaccurate, and I request that you correct this from my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} I assert that the account mentioned above is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} I confirm that the specified account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

XXXX 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. 

XXXX  XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX  : # XXXX has violated my rights. 
XXXX 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 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 2022-11-13
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. (MO)

XXXX 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. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023, XXXX XXXX reported on my Experian Credit Report that I owed XXXX on an account and I was 30 days past due. Upon checking my accounts with XXXX, I did not identify any acocunts with a balance of this amount or any accounts that were 30 days past due. Please remove this account from my credit report immediately.