davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX  this company started reporting this derogatory collection to TransUnion. I do not have a contract with XXXX XXXX XXXX, therefore I contacted XXXX through certified mail asking to verify and validate the requested information, but never received it. Listed below is the requested information. 

1.Original contract with my wet signature on it 2.Original creditor 's information ; name, address, and phone number 3. Payment history showing including all missed payments 4. A copy of the agreement between XXXX XXXX XXXX and XXXX XXXX Bank that authorizes XXXX Funding to collect on this debt
Consumer complaint received 2019-01-23
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)

My student loans were forgiven under TEPSLF program. I was never late and never delinquent. My original balance was {$34000.00} in 2004 and around $ 16K was the amount forgiven. I recently noticed my FICO score had dropped 100 points! 

Transunion was reporting that I had a $ XXXX balance within the past year, that I was over 90 days delinquent, and that the loans were written off as a bad debt. All of this is wrong and I disputed it. They corrected the bad debt part, which so far has changed nothing about my credit score. 

Transunion still lists me as 90 days delinquent. They also show the $ XXXX as a recent high balance. XXXX, the student loan servicer, does not show these errors. 

XXXX  dinged my FICO score with similar errors to Transunion. However, they have corrected my credit report and are no longer reporting a false delinquency. 

I have now spent hours online, on hold, on the phone trying merely to introduce written proof that this is information is erroneous. The phone person refers me to the web page, the web page tells me I have to use the mail. It's all set up to make a dispute impossible.
Consumer complaint received 2020-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (OR)

I have Student Loans from Nelnet when I was attending XXXX College in XX/XX/XXXX to XX/XX/XXXX in XXXX, OR. My monthly payments was approximately {$500.00} a month. My loan started off with {$35000.00} and now it has increased to {$46000.00} from all the interest and late payments I been struggling to pay. I have recently fell in a financial hardship and it has been difficult to continue to pay the loan even though I entered into forbearance. I have also recieved an email about XXXX college being sued for false marketing and advertising. It mentioned they were going to try to remove anything that negatively affected my credit report and I am not required to make any other payments. I am still being billed for the interest on the loan. XXXX College In XXXX shut down and I am not able to contact the campus as they failed their students on their promises before enrolling. I have already communicated with the lender and FASFA and I have not recieved a response and it's been longer than 60 days. I was young and did not have a lot of knowledge on schools, loans, and credit.
Consumer complaint received 2018-02-26
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. (CA)

I have uploaded documents to Experian to demonstrate that I do not owe on a XXXX XXXX student loan. I have provided proof of earlier credit reports, as well as the statement from XXXX from XXXX years ago regarding this matter. Experian lists the wrong number for XXXX ; therefore, I can not contact them to have a discussion about this, and XXXX won't respond when you call numbers available to search on the Internet. I can not have been 60 days past due in XXXX when the debt was paid in full in XXXX. They are doing this to re-age a debt and keep it fraudulently listed on my credit. The financial services industry is in complete chaos, and I am getting ready to initiate a lawsuit against all parties responsible for this. I am tired of having my credit tarnished when I have specifically chosen not to have any credit at all since the XXXX of XXXX. I don't want to participate in this insanity. Please appropriately regulate these industries. They are colluding with the government to engage in the wholesale fleecing of the American public.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OK)

Today is XX/XX/XXXX @ XXXX CST 1. XX/XX/XXXX closed Citi account and received email to confirm account closure ( there was still a balance due ) - made the monthly payment XX/XX/XXXX {$140.00} - there was an increase to my bill immediately following the closure {$10.00} ) 2. XXXX made monthly payment made XX/XX/XXXX again increased payment from {$130.00} - paid {$140.00} 3. XX/XX/XXXX paid Citi card off in full {$4800.00} ( which was listed as the PIF amount due ) 4. XX/XX/XXXX Citi payment was posted to my debit card bank 5. XX/XX/XXXX at XXXX CST - Called Citi because they had charged additional interest to my account of {$16.00} since the paid in full payment on XX/XX/XXXX and - spoke to XXXX ( 2nd level management ) he waived the {$16.00} additional charge and stated a XXXX  balance email would be received that would arrive as soon as the payment was posted and state account closed. The excuse was the payment had posted at the time I made a payment leaving interest due - however their website stated this was the total amount due on the date of the payment! He allegedly removed any residual interest charges they added to the account. XXXX also said he would send an email generating a XXXX  balance by Tuesday as that is how long it would take Citi to clear his interest adjustment and generate an email to me with account closed and XXXX balance. To date ... nothing has arrived. 
6.XX/XX/XXXX - Logged into my Citi account it does show an adjustment of the interest subtracted for {$16.00} - BACK DATED to XX/XX/XXXX? 
Yes, he lied in the system because the adjustment took place on or after ( according to XXXX at least 48 hours to adjust ) the phone call stated # 5 above!!! 
7. XX/XX/XXXX - The " running balance " as of today is {$0.00}. However, no email has been received as promised regarding the account paid in full and XXXX balance. 

I am requesting : 1. all of my personal account information - phone, email and payment info be removed from this account 2. a letter emailed asap stating the account is closed and was paid in full on XX/XX/XXXX and a XXXX  balance. 
3. Payment and all PII information deleted and suspended immediately. There is not a way for me to delete the payment information from the account!!!! However, I can ADD another account! 

Thank you.
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (OR)

On XXXX XX/XX/XXXX at XXXX, my financial counselor and myself called XXXX XXXX to get a deficiency balance statement on a repossesion that happend in summer of XX/XX/XXXX. XXXX XXXX stated the debt was sold to a collection company. They gave us the contact number at XXXX, Crown Asset Mgt. We called Crown Asset Mgt and spoke with XXXX. She informed us that it was in the process of being sold to another collection agency and that she could not give us the deficiency balance. She requested that we give her a cell number so the new company would be able to call. She would not give me the name of the next collection company. I did not give her my cell number as I am in XXXX XXXX/XXXX  in the United States XXXX at XXXX  XXXX XXXX. I explained that I could not receive calls on that cell. My counselor requested a timeframe so that I could be pulled out of training to be able to take their call. She could not provide us with a time nor a contact that I may get in touch with them when my drill sergeants allow me access to my phone. My initial security clearance is in jeopardy due to Asset Mgt dragging their feet about my debt.
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (GA)

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights.

This Consumer Complaint is against Optimum Outcomes , Inc. for it's violations of the Fair Debt Collection Practices Act ( FDCPA ) against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g.

No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )
Consumer complaint received 2020-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

2015 federal loans were taken in out my name from XXXX XXXX college, 2 loans totaling {$3500.00} with taxes, fees and interest. I never received any money or loans from this institute or school. Contacted XXXX XXXX, XXXX, MI and customer service ( which has my SSN # ) about the fraud. I sent in affidavits to verify theft and have it removed from my credit report.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

XXXX opened a CapitalOne account in my name without my express consent, and did not link it to my store account. Apparently they did this in XX/XX/XXXX. The old account was still linked and showed a XXXX balance and XXXX payment due when I went to check it in XXXX, leading me to believe that I was current and had no balance. I continued as normal thinking all was good, tried to log in later as routine and the old account was down, thought it was just a glitch, and didn't follow up because in my mind I had XXXX payment due. Since CapitalOne sends so much predatory lending junk mail, these all end up on the burn pile. I was unaware that a CapitalOne account was opened in my name and the balance transferred. InXX/XX/XXXX, I went to make a purchase with XXXX and it was declined. That is when I discovered that there was a new XXXX account and card and it took me a couple hours to get it linked up. I spoke with someone, either XXXX or CapitalOne, but my memory on this is vague, it was the day after XXXX, but I made the payment to pay the full balance and left with the impression that the late fees would be removed and my account was in good standing. In XX/XX/XXXX I discovered they did not do this and are reporting me late to the credit bureaus. Have called XXXX about this and their customer service says they have no visibility or ability to remove these fees, otherwise they would. Everyone at XXXX says they are sorry, but their system doesn't let them do that. CapitalOne says their system won't let them do it either, that they have no 'options ' available to them. Each points the blame at the other, but one agent at CapitalOne admitted that CapitalOne does have the ability to do so, but then the supervisor said they didn't have any 'options ' again.
Consumer complaint received 2023-06-12
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. (HI)

I have a few accounts thats showing in my soft credit report when it was pulled and it is showing that it is open. But wen I called all 3 credit bureau they said its showing on there end as closed and or charged off in full. Im requesting to get my report cleared and off my credit report so I can get ahead in life and make a future. I contacted the company but no responses. Im requesting to clear all open accounts thats suppose to be closed cleared and off my credit report. I will attach attach credit report.
Consumer complaint received 2023-06-12
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)

I submitted multiple disputes to remove the following XXXX XXXX Accounts : XXXX XXXX XXXX XXXX These accounts have been charged off and I have not received any of the 1099 cancellations of debt forms. These accounts should be removed from my credit profile immediately.
Consumer complaint received 2023-06-12
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. (NC)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (FL)

I contacted EOS CCA via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name EOS CCA Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (NY)

I received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX dated XX/XX/2023. I did not initiate, request and/or conduct any business
Consumer complaint received 2023-06-12
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. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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 following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2018-02-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc (IL)

Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. XXXX gives my information to Northland Group and they call every hour at least. I already told them it will get paid and to leave me alone.
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. (VA)

Dear Transunion, This Collections Account Status is Open. How is this even possible? Collections are Closed accounts by default. Transunion is very unreliable ; you guys need to provide 100 % Accuracy. 15 USC 1681e ( b ), Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

TRANSUNION ISNT ABIDING BY THIS LAW, FIX OR REMOVE THIS ACCOUNT XXXX XXXX Account # : XXXX XXXX XXXX IS A COLLECTIONS ACCOUNT. ALL COLLECTIONS ARE CLOSED ACOUNTS BY DEFAULT, WHY IS THIS ACCOUNT STATUS EVEN OPEN.THIS IS VERY IMPORTANT, THIS IS NOT MAXIMUM ACCURACY PLEASE REMOVE THIS ACCOUNT.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

I received the documents pertaining to my first complaint with Consumer Financial Protection Bureau but XXXX failed to state that there would be an interest increase and ultimately a loan increase before they did the forbearance in their reply to the CFPB. Just like last year, I have the emails from XXXX where they stated a renew is needed but they did not provide the portals or state the necessary documents. I also have emailed that I sought a partner who I used to work with Doc Prep or Documents Benefits Center and they replied late. The renewal only covers next month up to a year without the previous months. During last year, XXXX has never gave me access to my account.