davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (VA)

I am writing to officially contest several hard inquiries that have recently appeared on my credit report, as provided by your agency. Upon careful examination of my credit history, I have identified specific hard inquiries that I believe are inaccurate and request their prompt removal.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2024-02-09
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. (GA)

My XXXX, Transunion and XXXX reports show ( XXXX ) address that are incorrect : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NCB Management Services Inc. (TX)

Identity theft 15 USC1681b- Conditions for furnishing and using consumer reports for employment purposes With no permissible purpose. Meaning they didnt get my written consent to furnish anything on my account. I didnt give written instruction. 

Without permissible purpose = identity theft
Consumer complaint received 2022-07-12
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX 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 2022-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc. (WA)

I have been repeatedly emailed by American First Finance. I have reached out to them repeatedly to give information about the debt they are trying to collect and they have ignored all requests for information. When I call they hang up on me, or do not answer at all, they seem to filter my call. I have written them asking them to provide any and all information about the debt and to cease contacting me. It has made no difference they continue to email, call and harass me. They refuse to give information about the debt or to work in any way to find a solution or answer to what is actually going on.
Consumer complaint received 2020-09-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The balance of {$7500.00} and past due amount of {$600.00} is not correct because I disputed the charge with XXXX XXXX  and they neglected to conduct the dispute investigation in a thorough manner and did not look all the documentation we provided. I never signed on the receipt of services for which the credit card was charged. 
The credit reporting agency, did not investigate my dispute and did not change my credit report and score.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (NY)

In accordance with Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 USC 1681 ( a ) ( 4 ) : states I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section ( a ) ( 5 ) : states no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-12
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-07-12
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. (TX)

Received hard inquries for something that was not even supposed to be a credit pull due to me not authorizing these : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2024-02-09
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX expired XX/XX/XXXX. I returned the lease and purchased a new vehicle on time. The dealership failed to report the lease was turned in and payoff the lease. XXXX XXXX reported the vehicle as a charge off and in collection of {$25000.00}. I've tried for several months to get the dealership and XXXX XXXX to fix the issue. This has been going on since XX/XX/XXXX. I've disputed the amount with all three credit bureaus and XXXX XXXX keeps reporting it as accurate. I have documentation supporting my claim. The dealership has stated they were working on the problem and then in XXXX, the person was gone and the information was not passed on, even though I kept calling and leaving messages. I went to the XXXX XXXX dealership and spoke with a sales manager who stated they would take care of it in XXXX. I was unable to see any information when logging into XXXX XXXXXXXX XXXX portal, however that has been updated to show the account is closed, just now in XX/XX/XXXX. My credit report still shows in collections/charge off of {$25000.00}. I never missed a payment and it wasn't a charge off. The dealership acknowledged it was their mistake but no one will fix the issue.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
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: Experian Information Solutions Inc. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXXBalance : {$58.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXXXXXXBalance : {$740.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX  XXXX Balance : {$6400.00} ; XXXX XXXXXXXX XXXX Balance : {$280.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX Balance : {$2700.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021.
Consumer complaint received 2024-02-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXXXXXX XXXX XXXX I contacted XXXX XXXX about their promotion which promised me a gift card in the amount of {$1200.00} if I switched our cell phone service to them. I followed through with XXXX and made the change but I never received the {$1200.00} gift card. Repeated communications with XXXX failed to resolve the matter and now, on XX/XX/XXXX, XXXX is using a collection agency in an attempt to collect my " overdue '' {$690.00}. The collection agency is TSI. Their contact information is : Transworld Systems Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX I have just completed a phone call with TSI, explaining the situation. I was told there was nothing that they can do. 
I have seen on the internet that XXXX has been using these tactics on a wide scale, and even my close friend has gone through a similar situation with XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

my consumer rights are being violated ive tried more than twice to fix this situation this is non compliance which is a violation pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) this has went on far too long
Consumer complaint received 2022-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

Nelnet has not been sending me my annual recertification notices by mail or email. Ive tried both. Ive been dealing with them over a month already since around XX/XX/XXXX just to get my paperwork processed. Still not done. This happens every year and is a struggle. I never even got any loan with this company, it just got sold off to them from the Federal government. Ive been mislead and lied to about these loans from my school XXXX XXXX XXXX XXXX. Nelnet is the worst student loan company EVER! They want me to default so I have to pay a years worth of interest about {$3500.00} added to my balance because paperwork isnt processed on time. Its already happened once from a transition to Nelnet from XXXX!! This happens every year and I do all my paperwork instantly the day I receive it. Have complained so many times to supervisors etc. nothing gets done!! This keeps going on and I have no help to correct this. Every year the same problems with them.
Consumer complaint received 2023-03-30
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. (CA)

XX/XX/2023 at XXXX am I called XXXX and I talked to them for 44 mins. A Supervisor XXXX XXXX was very rude and unprofessional he told me very false and misleading information. He said no company have to follow 15 USC 6801 and 15 USC 1681 and I dont get to choose how I want my information shared and I do not have a right to privacy I have no control over that. The phone call was recorded and monitored as well from both parties. 


See attachments for letters requesting for removal!
Consumer complaint received 2024-02-09
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. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-15
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: Resurgent Capital Services L.P. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX. XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 {$650.00}
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I first opened my ( secured ) Capital One XXXX card in 2019 with a {$200.00} limit. About two years ago I called and asked to raise the limit by depositing more money, which was not allowed more than 30 days after opening the account. I recently learned that Capital One will 'graduate ' a secured card into an unsecured card after 6-12 months and good payment history. This would allow me to gradually get credit line increases, since a secured card can not be increased. I have had the card for nearly 4 years and have a perfect payment history, but when I called Capital One to request that the card be upgraded to an unsecured card, my request was denied and I was instead told to keep making on-time payments.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (DE)

In accordance with FAIR CREDIT REPORTING ACT accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have come back verified. How is this true when there are inaccuracies on my report. I demand to see full method of verification according to the FCRA. Pursuant to 15 U.S.C 1681 section 602A states I have the right to privacy. Pursuant to 15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions. Also, I demand compensation of damages for each violation of {$1000.00} according to the FCRA 623 ( a ) ( 3 ) my disputes are not posted on any of the accounts in question on my report. See screen shots in the attachment. The above mentioned accounts are to be deleted from my credit report ( not updated ) as soon as you see this message. Thank you and have a happy rest of the year!
Consumer complaint received 2020-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC (OK)

On XX/XX/2017, I paid The XXXX XXXX in XXXX, OK in full of {$770.00}. The XXXX XXXX never reported it to FIDELITY CREDITORS SVC. Its still on my credit report that I still owe them.
Consumer complaint received 2024-02-09
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. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-07-12
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. (NC)

I sent a letter off on XX/XX/2022, to remove information that I don't want on my credit report. I have the right to privacy. Also, according to 15 U.S.C 6802, No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (NM)

Today on XX/XX/XXXX I called IQ Data international to ask about two collections I have. I wanted information on what each charge was and why each charge was there. My other question was going to be about why every six months IQ Data International would restart the collection since XXXX. I called and was connected to a man named XXXX XXXX who I have spoken to once before back in XXXX of XXXX. When asking about the charges XXXX said that one was for a deposit fee, and the other from the apartment company. When I asked what my lowest monthly option was XXXX said I had to qualify. We went over all income and things of that nature when completed he said I would need to pay a charge between $ XXXX {$690.00} in order to start the lowest payment of {$50.00}. I said well isn't that half of what I owe you he said no you owe {$1600.00} and the $ XXXX {$690.00} is a security of payment. When I said that's crazy that's what the last unit manager told me and he said yes that was me. I then asked to speak to someone else or a supervisor he said he is the only unit manager of the company and that the boss doesn't speak with clients only handles written complaints. Wee then argued about that and the negotiation process I stated I had spoken to a lawyer who said prices can be negotiated XXXX said I was given false information and that if he was giving me false information he could lose his license. XXXX then yelled that he had that me say me piece which he didn't had that he was going to push the documents threw and then hung up. When calling back to file a complaint I was connected again with XXXX XXXX who stated that IQ Data 's HR doesn't handle complaints nor does the companies boss.