davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (FL)

I recognized an inquiry on my report that I did not initiate with XXXX  XXXX XXXX. The inquiry was made on XX/XX/2022. It is only showing with TransUnion LLC, other bureaus do not have this inquiry at all. I sent a letter to TransUnion in XXXX. They sent a response requesting that I contact XXXX  XXXX XXXX directly to get the issue resolved. After contacting XXXX departments within XXXX, no one there is showing a record of the inquiry or why it is showing. I called over to TransUnion just for them to give me the run around about all of these different documents I need from XXXX, about an inquiry they have no record of. After 3 months of the back and forth, I decided to go another route.
Consumer complaint received 2024-03-15
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. (OH)

This is my latest complaint regarding of being a victim of identity theft and I submit today to dispute specific items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are REMOVED from other bureaus and I have doubts in their accuracy and the reported payment history on these items are a mystery to me. Here is the list of items that I specified for REMOVAL : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-03-15
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. (AZ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
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)

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.
Consumer complaint received 2023-03-15
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. (IL)

So, I obtained a copy of my credit report and notice multiple errors with my personal information as well as account that I do not own this information is destroying my credit and I don't think is fair at all I'm sure I have rights.
Consumer complaint received 2019-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (AL)

My student loan was serviced by ACS ( now Conduent ) until XX/XX/2017, at which time which it was transferred to XXXX. 

I need to get the complete payment/account history for my account for the time that it was serviced by ACS, but can not find a working phone number for ACS/Conduent. I am also unable to log in on their website.

I would also like to know if my account was affected in any way by the mismanagement of loans that took place while under the control of ACS.
Consumer complaint received 2019-12-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (FL)

We were suppose to close on our mortgage on XX/XX/2019. I arrived at the XXXX  XXXX XXXX XXXX  XXXX at XXXX. At that time I was informed that XXXX XXXX ( XXXX XXXX  XXXX XXXX ) did not send the package yet. At XXXX, I sent an email to XXXX asking why she has not sent the package yet. 

Her response to me was very rude and she threatened me and my wife. I had nothing but email communication with her but she never told us the amount we needed to bring to closing. I have always been nice to her due that I was taught never bite the hand that gives you money. This email made my wife cry and I have been unable to sleep wondering what happened. I will attach the email to this complaint to prove how rude she was. She even threatened to retract the loan right on the closing date??
Consumer complaint received 2023-03-15
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-03-15
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. (OH)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA section 623 ( a ) ( 1 ) ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX Contains incorrect Information address and is not my account XXXX  XXXX XXXX  also being reported on all 3 bureaus conflicting account opened dates this account was also opened in XXXX but conflicting on all reports XXXX XXXX  also not my account conflicting information on all 3 bureaus address I did not live at I have reported my identity being stolen or used I have been successful with some and not all they won't delete I have disputed items I also have been compromised on the dark web in 3major data breaches in the bureaus XXXX also not my account also being reported to all bureaus in question this account was opened in XX/XX/XXXX also conflicting dates opened in reports wrong address used too open account XXXX XXXX XXXX  opened XX/XX/XXXX Also not my account wrong address conflicting information XXXX account paid by a payday loan direct deposited into this account before closed and still they report this as unpaid derogatory XXXX also XXXX being reported numerous times under different names being reported as secured and it is not secured with anything at all also conflicting information addresses amounts and information Under FCRA it is my right as a citizen too have these accounts removed from my reports that are being reported as derogatory closed collections wrong addresses conflicting names addresses my address amounts personal information I have disputed these with the CRA and got nowhere my life is in shambles these accounts are hurting me from building a proper credit profile that I need too move forward in life for my family I do not know what else too do I need help getting these items removed from my reports im hoping this is the right way or my right option because nothing else has worked thank you for you time
Consumer complaint received 2023-03-15
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. (FL)

This is my NUMEROUS 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-23
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: NORTHWEST BANCSHARES INC (PA)

NORTHWEST XXXX BANK ACCOUNT # XXXX BALANCE {$950.00} ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

I must be told if information of mine is going to be shared with non-affiliated parties and I was not. I want you to delete any information of mine you are reporting to any non-affiliated parties. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP. 

( 15 U.S.C 6802 B1A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Which I XXXX XXXX XXXX ; do not believe you did and now I am requesting you delete any information you are reporting of mine. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX  with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is Keith D Weiner & Associates. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pappas Hayden Westberg & Jackson PC (KS)

I received a notice from Pappas Hayden Westberg & Jackson XXXX XXXX, KS XXXX stating that they were trying to garnish me. I tried several times to contact and finally got a call back. This is in regards to a credit card debt from nearly seven years ago. They would not provide really any information other than they would do an internal investigation and let me know. I currently do not have any marks on my credit report to reflect anything relating to this. I regularly monitor my reports and have not had anything on this as far back as I can remember. I had thought that I had paid it but due to the age I am having trouble coming up with any records. I tried to contact the debtor directly but they would not talk to me because there was a attorney involved. If I owe it, I'll pay it but they couldn't/would n't offer me any proof other than " because we say so ''. I don't understand how something can simply pop up out of nowhere and I can be expected to blindly pay it. They are talking about garnishing a bank account that has been closed for several years. I have worked hard to repair my credit and don't want something to damage that for no apparent cause other than a greedy law firm trying to prey on the unsuspecting and vulnerable. Is this even legal? Are there no statutes of limitation? Please advise. Thank you.
Consumer complaint received 2024-03-15
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. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-03-15
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. (MO)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/2017
Consumer complaint received 2023-03-16
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. (KS)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX  XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXXXXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-25
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. (GA)

to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it removed.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you confirm whether FCRA 605B necessitates the removal of any erroneous accounts from my credit report? I believe some of the listed accounts are incorrect. It's making me uncomfortable, so could you please double-check the documents?
Consumer complaint received 2023-03-15
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. (VA)

My name is 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 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 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

My account was scheduled to execute an automatic payment for the month of XX/XX/2023, but no automatic payment was executed and now my account is marked as " past due ''. There are similar complaints across the internet of Nelnet failing to execute payments, with a multitude of adverse effects on the student loan borrowers.
Consumer complaint received 2023-03-15
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. (FL)

My name is 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 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.