davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (VT)

This is in regards to the account - XXXX XXXXXXXX : # XXXX and CFPB complaint for Transunion. 

I have sent notarized and certified mail to this company regarding the laws they have violated and requesting financial compensation for these violations. 
They have harassed me consistently by calling my phone and my wife 's phone, they have sent me dozens of letters requesting compensation and have went as far as updating the status on the account even though I have never spoken to them and this account is over 7 years old. 

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors, and I have been abused and deceived, so be it. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ C ] [ A ]. A debt collector may not communicate with a consumer in connection with a collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ B ] [ 2 ]. not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ B ] [ 5 ]. Not use any language or symbol on any envelope, or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection, business, or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ D ] [ 2 ]. The use of obscene, or profane profane language, or language, the natural consequence of which is to abuse the hearer, or reader. 

I am requesting again that this account be removed from my Transunion report and that I receive {$1000.00} in compensation for each of the 4 federally protected consumer rights violations this company has committed ( 15 USC 1692 ).
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

XX/XX/XXXX- XXXX XXXX XXXX/Capio I called them multiple times and they sent me one letter. Just recently for a supposed {$550.00} debt that was never paid back in XX/XX/XXXX. I have tried to contact them multiple times in order to resolve the issue and find out what the debt is for. They have given me multiple stories about multiple hospitals and procedures. But nothing verifiable. They have now put it on my credit profile.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Im unable to access my report and score from equifax website. Their new procedure requires users to create an account which i have but cant access. Also according to XXXX  site all my equifax data is out of date. The accounts listed on equifax are not up to date and additional credit cards are not listed. my student loan consolidation is not listed either.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They have been reporting late payments for the past 6 months when I am currently current. I have called Bank of America numerous amount of times to have them review my account, but I get no call backs from any of the departments. Bank of America is affecting all 3 of my credit fico scores. I ask that someone please step in and look into my account since I feel very powerless doing it myself. As stated before I have called different departments several times, and all I get is they will call me within 24 hours. I have left voice messages to the credit department and yet no call backs. The negative feedbacks left on my credit report are inaccurate, and by having these remarks on my credit file has affected me and my family in many different ways. In another not my original payment for this particular vehicle is less than what I summit every month as a payment, so that I am able to payoff this vehicle loan before my terms. I ask that this issue is considered highly and not to be disregarded, Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-03-26
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. (OK)

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. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX 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 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXX XXXX
Consumer complaint received 2023-07-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Back in XXXX a XXXX credit card was open ( XXXX Bank ) This was report to the police and copy was send to them but they had sold it a collection agency and i was able to get them to remove it BUT THEN PORTFOLIO RECOVERY got a hold of it in XXXX and i can not get them to remove this and they put a new open date as XXXX XXXX I have file 2 FTC Report, this one is the is the most resent # is XXXX And Still nothing Please help
Consumer complaint received 2022-07-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Upon opening my Bank Of America Online Portal to view my only account with BofA ( a credit card ) I realized there is other accounts a Checking XXXX and Savings XXXX that were fraudulently opened without my authorization or permission. I've attempted to call and ran into excessive, burdonsome, hold times of an hour without resolution. I was transferred to other departments where my call was dropped. I attempted to email Bank Of America as well but never received a response. I am aware that XXXX XXXX opened accounts in customers names without permission and think this could be that same situation with Bank Of America given their lack of interest in helping me. I also noticed a fraudulent email and phone number associated with these accounts that is not mine.
Consumer complaint received 2023-03-25
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. (FL)

I have identified information on my credit report that are a result of identity theft. These items are not related to any transactions completed by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (MD)

I Got a mortgage from ARC HOME, LLC Back on XX/XX/2022 and my payment is due on XX/XX/2022 I've been calling the mortgage company to know how to make a payment since I haven't received any letters explaining how to make a payment. I get hanged up on when I call or they get my information and tell me that a manager will be contacting me regarding that issue I never get a call back and my issue is not resolved and I'm worried because my payment is going to be due in 3 days and I don't want them to report it as a late payment please assist. 

Thank you!
Consumer complaint received 2022-06-20
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. (NY)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RS Clark and Associates, Inc. (TX)

on XX/XX/19 i spoke with XXXX XXXX at RS Clark, who agreed to take payment and to remove and delete from my credit. They instead filed new status of late payment instead of delete and remove. I want them to do what they agreed to do and remove and delete from my credit report immediately. account is under XXXX XXXX
Consumer complaint received 2019-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

I've requested my XXXX  account closed several weeks ago, as far back as XX/XX/XXXX, remaining balance refunded back to me in the amount of XXXX. To date, the account is still open and balance still showing, nothing refunded back to me.
Consumer complaint received 2018-11-21
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

On XX/XX/XXXX I was sent an alert from my financial institution my checking and savings accounts had been wiped clean. I learned it was done by a debt collection company based out of XXXX, NY with offices in state I reside New Jersey. Pressler and Pressler was the company, I phoned and was told a summary judgement had been passed with regard to a collection agency XXXX XXXX for a charged off credit card account from XXXX. I know I should have been contacted to appear in court a supeona should have been sent registered mail for signature it was not. I also know according to FDCPA I have the right to request all of the information about this account payment history signed documents of transfer basically all information you would have from a transfer of ownership. They would not comply. Instead they probed my for more information they didnt have such as contact number employer information and vital details. I researched this collection agency/law office and they have hundreds of complaints of similar situations where they routinely operate outside the scope of the law yet it seems no action is taken. I formally request since I am unable to get the evidence I requested and they have seized all of my monies checking and savings for my housing and essentials. If they went through the proper channels I would have been notified how is it this office can operate legally.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (HI)

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$890000.00}
Consumer complaint received 2022-07-26
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. (HI)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (VA)

XXXX Received a call from Nelnet saying they needed my information before they could tell me what the call was regarding about my account XXXX After requesting clarification before providing any personal identification information, as this call was unsolicited and from a number that did not match the nelnet customer service number, the caller refused to even give any high level information. 
I ended the call XXXX After calling in the confirmed Nelnet customer service line I asked for confirmation of the earlier call and what it was regarding. They said it was to confirm my address XXXX After confirming the information, I asked about loan consolidation options. My goal was to identify what a weighted average interest rate would look like before committing to this option. I was told by the Nelnet representative that in order to find out what the interest rate would be I would need to commit to consolidating first and then find out how much it would be. When sharing that for any other loan type or refinance I could find out what the interest rate would be before committing but she confirmed that was not allowed by the Dept of Education and they wouldnt provide that
Consumer complaint received 2022-04-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

my issues is that, I have two accounts XXXX BANK, and XXXX BANK, CREDIT CARD ACCOUNTS THAT ARE NOT SHOWING ON MY CREDIT PROFILE. IT HAS BEEN TOLD TO ME BY THESE TWO ENTITIES THAT THEY HAVE BEEN REPORTING TO EQUIFAX MONTHLY.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( Transunion 's report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Address : ( XXXX  XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX **Employment information : ( XXXX XXXX report ) XXXX XXXX XXXX Hard inquiries : _XXXX  XXXX XXXX  DELAWARE I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report
Consumer complaint received 2019-09-04
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. (UT)

Trans Union continues to take my disputes and fail to do a 100 % complete accurate verifiable investigation. They sent a letter stating my dispute was not illegible which is false. The letter was typed and printed out and mailed correctly. The attachment of their delay response is attached.
Consumer complaint received 2018-11-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (RI)

They charged off my account and added on my report a charge off remark. By law, an account can only be charged off after 180 days of deliquency. I asked them to show me how I missed 180 days of minimum payment they kept forwarding my calls and are always unable to answer me since my last payment was just a month ago. I filed a complain with the credit bereau but the credit card company is still refusing to remove the wrong data off my report. I'm asking that they delete those wrong information from my report. I even have already paid off the full balance now.
Consumer complaint received 2019-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (MI)

I keep receiving calls from various XXXX area codes numbers asking me to call Real Time Resolutions at XXXX, a debt collector. Since I do not have any accounts or bills that are delinquent, no debt collector should be calling me. I have asked them to remove my number and to stop calling me but they will not.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

I made a deferred interest purchase with XXXX through synchrony bank on XX/XX/18 for {$400.00} for 12 months. The initial draft, drafted too much as I had my payment set to XXXX per month. So they issued a credit for the amount over drafted by check, but also issued a credit to account and turned around and charged account for same amount. This caused my account to accrue interest every month since then, which they have credited back to me upon calling to request. But they wont fix the account so that I dont have to call every month and spend upwards of 30 minutes on the phone each time with them. I requested a {$10.00} credit to account to cover interest charges and they denied. My time is valuable and I should not have to call and explain the same thing month in and month out. This has been going on for 3 months now.
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I have been deferring my payments with forbearance for a couple of years now. I haven't been able to afford the payments asked of me by Navient and STILL can't. 

When I tried to extend the forbearance in XXXX they told me I wasn't able to anymore. 
When I told them I can't afford the payment they're asking of me which is {$580.00} a month they told me they would give me a one-time " courtesy '' deferment which they then dinged me on my credit report for. 

I applied for income driven repayment plan through XXXX as advised by Navient and on XX/XX/XXXX I received a response saying my payments have been lowered {$440.00} a month beginning on XX/XX/XXXX. 

I STILL CAN NOT AFFORD THIS. 

Navient refuses to work with me to get me to a more affordable repayment plan. They're only considering my income and not my monthly expenses including rent, car payment, medical bills, credit card debt and living expenses. 

I am at a loss at what to do here. I can't afford this and the company has no sympathy in working with me to come to a solution I can afford.