davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Firstmark Services took over my student loan about a year ago from XXXX XXXX. Starting from that time I have gotten letters with incorrect billing information-I have been in deferment the whole time. The bills tell me that I have to pay the bill on a date. Knowing I am in deferment I thought it was automated billing and ignored it. Then I got letters saying the bill was late. I called Firstmark in XXXX and the person gave me so much attitude including telling me I should know when I have a bill due but concluded by telling me I was in deferment. When asked why I was getting these letters that would scare any person, she said it was because it was the school 's fault. I continue to get bills and letters - that I ignore because they are inaccurate since I will have no payments until school is complete. I call in XXXX because I am complete with my classes to see when I should expect to pay my first bill. They inform it will be due in XXXX. I ask them if they are sure since along the way I have been getting letters and phone calls. They are rude and inform me that they haven't been calling me. And that it must be XXXX XXXX ( where the loan originated ) and that I have not had to pay anything since they took over the loan. I tell them I am very confused then as to why I keep getting the phone calls or letters wanting to talk about my account. He says they have only sent me letters twice. Well I know and have voicemail proof from two phone calls on XX/XX/XXXX alone from someone who says they are Firstmark services telling me it is important that I call them in the next 3 days. These type of phone calls are scary. It makes you feel like you forgot something and that it will affect your credit score. However, Firstmark claims they had nothing to do with it. Last week I go to pay my XXXX bill that has been confirmed was due and that I saw on my account in XXXX and it was no longer there. When I call to ask First Mark what happened, the person on the phone was blatantly rude and said my college had stated I was still attending. I said something about the billing being crazy and he stated, " You know what's crazy the colleges putting in the attendance. '' Since First Mark has taken over my account, I have been made to think that I am late or overdue on my account often due to letters and phone calls, been treated as a delinquent customer, and there has never been accountability from First Mark. Student Loans are often excessive and must always be paid. I know how important it is to pay them for my continued good credit health and future purchasing success. So the fact this type of loan is being handled so poorly is extremely frustrating. Since the loan is over ten years old and there have been so many changes to who holds it, I have always been able to depend on the loan companies for accuracy regarding the account ; Firstmark is neither accurate, nor accountable, nor customer friendly. Something needs to be done regarding their practices.
Consumer complaint received 2022-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nationwide Title Clearing, Inc. (MI)

Demand for Disclosures under Rule 26. 
Dear XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and Nationwide Title Clearing corporation : : I am prepared to file my legal Action against all parties who during last six years defraud ; gaslight and terrorize me with demands of payments for the virtual " loan '' [ information about money ] - particularly XXXX XXXX XXXX who mail me correspondence, notices, " billing statements '' fraudulent " Modifications '' ; illegal " Payoff Statements '' where I instructed to send my money to XXXX XXXX " cash management '' acting under glimpse of fake " Servicer '' XXXX ''. 

Now someone secretly processed " foreclosure '' without any Notices to me- likely XXXX and XXXX XXXX  and used forged by Nationwide Title Clearing fake " assignment " to steal my property via criminal foreclosure on XX/XX/XXXX. 

Since this is a very big and complex litigation, I want to avoid mistakes and include wrong parties or not include right parties. 

Under Federal Rule 26 of Civil Procedure I have right to demand initial disclosures, XXXX and XXXX must, without awaiting a discovery request, provide to me : ( i ) the name and the address and telephone number of each individual likely to have discoverable informationalong with the subjects of that informationthat the disclosing party may use to support its claims or defenses. Particularly, name of my Creditor and its mailing address and phone number. The name of individual employee of my creditor who hired XXXX to send me correspondence, billing statements, " Modifications '' and " payoff statements ''. Name of eachg XXXX employee who processed these documents and sent them to me. 

XXXX must provide me Contact information for XXXX  Vice President XXXX XXXX and Notary XXXX. 

( ii ) a copyor a description by category and locationof all documents, electronically stored information, and tangible things that the disclosing party has in its possession, custody, or control and may use to support its claims or defenses,, specially proof of distribution to Investors ; and accounting ledger for my loan. 

XXXX must provide me the full list of all documents their employees reviewed before they executed an assignment in favor of XXXX on XX/XX/XXXX ; state time and place where my alleged Mortgage was sold ; and the full amount of consideration, in $ $ XXXX paid for my Mortgage. State the name and position of the individual employee who made this payment. State the name of individual employee who received this payment ( iii ) for inspection and copying as under Rule 34, any insurance agreement under which an insurance business may be liable to satisfy all or part of a possible judgment in the action or to indemnify or reimburse for payments made to satisfy the judgment. 

Copy of my Complaint is attached and will be filed shortly Please provide all requested documents in 7 days or no later than XX/XX/XXXX. 

Best regards XXXX XXXX
Consumer complaint received 2022-05-05
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: DISCOVER BANK (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-05
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. (TN)

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

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXX in prior years and since XX/XX/2022 and now recently XX/XX/XXXX. XXXX XXXX have been calling me every other day and so often calling sometimes 3 times a day and sometimes as frequent as twice a day. So they call from so many different numbers and even has tried calling from my hometown area code in hopes that i will answer because it's a local number. Luckily I have a smart caller ID on my cell phone. So what I do and have been doing is blocking every number they call from. It's really getting annoying and harassing. They have bought this debt from Synchrony Bank and have changed and updated there connect with me. This debt was closed by Synchrony Bank.
Consumer complaint received 2021-08-29
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XX/XX/2020 I made an application for a motor vehicle lease through XXXX XXXX  XXXX. The entity servicing the lease is Toyota Motor Credit. I authorized only ONE credit report to be pulled in connection with that application, nevertheless both XXXX XXXX XXXX and Toyota Motor Credit each pulled separate reports, resulting in two hard reports on my credit profile, which significantly lowered by credit score. I never entered into any financial arrangement nor made any application to XXXX XXXX XXXX for credit or a lease. The transaction was with Toyota Motor Credit. 

Since discovering the two hard credit pulls on my credit report I have been attempting since early this year to remove on of them. The credit agencies involved ( XXXX, XXXX and XXXX ) refuse to even acknowledge my complaints, and XXXX XXXX  XXXX and Toyota refuse to withdraw one of the reports. It is improper to pull two hard credit inquiries for the same transaction.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has incorrectly reported I have only XXXX years of credit history. This has caused denial of credit because my credit is " new ''. It has also lowered my credit score significantly. I have had credit since XXXX. 
This information was reported correctly previously. 

XXXX XXXX has on their site, my credit history " needs work ''. I am XXXX years old. I have already put in the work, paying off student loans after 30 years, paying off furniture store credit cards, car loans, etc. A credit card company for XXXX XXXX closed my account because I didn't use the card. Another credit card company charged fees even though the card had a XXXX balance. I closed it to save money. ( I am a XXXX. I can not afford to pay fees for a XXXX balance. ) None of this is reported. 

Transunion is only reporting open credit. This creates a skewed history. 

I am a XXXX XXXX. I was born during XXXX. It is fact, XXXX were purposely denied credit solely based on being born XXXX. Being the direct descendant of XXXX, daughter of parents born into restrictive legal XXXX and I was born during XXXX, I did not have the means to afford a mortgage until XXXX years ago. Otherwise I would have a longer history in terms of home ownership. I do have a longer history for other types of credit. 

Transunion needs to correctly list my credit history as XXXX years not XXXX. It needs to report my work experience as XXXX XXXX XXXX since XXXX. 
I briefly worked for XXXX XXXX XXXX from XXXX until XXXX and I returned to XXXX XXXX XXXX. I am still employed. 

My addresses are reported as if I am transient. I have lived in apartments. The last XXXX dwellings I occupied, I lived there for XXXX years each. 

Transunion has a history of age and XXXX discrimination in their work place. 

There are XXXX people, who are alive today, who benefitted from legal XXXX financially. Some of those people still believe XXXX are less than human and deserved the maltreatment they experienced. These people are now doctors, lawyers, bankers, teachers, and Transunion employees.
Consumer complaint received 2022-05-05
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. (TN)

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

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2019-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

Jefferson Capital Systems LLC. claims to be the owner of an account thru assignment. 
This is a non existent debt/account. I have included the notice they sent and my response. I refuse to pay at this time or at any time in the future. 

Jefferson Capital Systems LLC need to Cease and Desist all communication with me regarding this non existent account. 

My response that is included speaks for itself, and states my position clearly.
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX was found to be charging an annual charge on my credit card and I NEVER signed up for such a membership or autopay program with them. I already contacted them last year regarding the difficulty in handling the one {$20.00} charge I authorized and requested NO MORE charges. This charge recently XX/XX/XXXX on CASH card is improper.
Consumer complaint received 2017-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XXXX XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.
Consumer complaint received 2022-05-05
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. (NV)

I have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed bylaw, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (TN)

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

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05
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: EQUIFAX, INC. (TN)

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

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (TX)

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 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-05
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. (GA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$0.00} account # XXXX 30 days in XXXX 2020, 60 days in XXXX  2020, 90 days in XXXX 2020, and XX/XX/2020.
Consumer complaint received 2022-05-05
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. (AL)

In accordance with the Fair Credit Reporting Act 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-05
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, CXXXX XXXX # XXXX, and 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 an account without my written instructions
Consumer complaint received 2022-05-05
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. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-05
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)

This is my 6th attempt to get this matter resolved but then again you're still ignoring myrequest. Upon reviewing my updates, incorrect information is being reported to mypersonal credit file. The Transunion Credit Reporting Agency has not complied with theFairCredit Reporting Act, 15 USC Section 1681i, and continues to report unverifiedinformation without providing any proof required by law. Transunion has failed in properlyidentifying and providing within the necessary time allowed by law any verifiable proof. Theinformation is inaccurate & I never authorized my credit to be accessed. They have failed toprovide me with the written authorization or remove this inquiry from my credit file. I needthe inquiry to be deleted right away. 

XXXX XXXX XXXX Date XX/XX/2020 XXXX
Consumer complaint received 2022-05-05
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. (TN)

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

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.