davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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 revise my credit and for my surprise had collections that don't belong to me, I have credit inquiries that don't belong to me. after calling trans union they deny helping me or provide proof that the debt belongs to me. i asked for a contract with my signature and or any other proof. what they send me was bill with not even the correct address. 
i want these collections and inquiries deleted from my credit reports before I take legal action against them for fraud and creating hardship without proper verification according to the law.
Consumer complaint received 2020-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Navient I am sorry you misinterpreted my previous complaint. I requested Navient to send me a copy of the XXXX federal consolidation loans in XXXX that appear on credit report. My credit report contains XXXX federal consolidation loans. With an amount totaling over {$100000.00}. 
I contacted the federal government. They wrote me back and stated this. In XXXX I had a bankruptcy. Your student loans were not in default. So they sent my student back to XXXX for automatic repurchase in which XXXX complied. Then in XXXX XXXX lost their license to consolidation of federal student loans. As of XXXX XXXX is a private lender of student loans. Then I sent the contract Navient sent me for over {$49000.00} in student loans to the federal government then they wrote me back stating the FFELP Consolidation loan of XXXX they knew nothing about the consolidation loan of XXXX nor could XXXX write a federal Consolidation loan in XXXX due to no license with the federal government. The federal government stated as of today I do not owe on any student loan with the government They also stated no one never purchased my student loans. 

In XXXX Navient was formed aka SallieMae and that the transition did not go well documents were lost and forged. 

So they told me to ask Navient to send me a legal contract of a Consolidation FFELP student loan with XXXX in XXXX so they can review both license of XXXX and Navient. Third request. 
Also I am asking Navient did you purchase my student loans and if so send me the chain of custody. Navient did you turn my student loans into private student loans?
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

I 've been paying a debt since XX/XX/XXXX in which FCo financial has given me. The debt total was {$1900.00}. I have payed {$1400.00} towards this debt. I 'm filing a complaint of harassment because they have called me after hours to retrieve this debt. On Wednesday, XX/XX/XXXX, I received a call from FCO XXXX at XXXX Eastern Standard Time to collect the remaining balance of this debt.
Consumer complaint received 2024-02-07
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. (NV)

XXXX is removing fraudulent accounts notifying the CFBP that this issue has been resolved and then placing the information back on my credit report. They are not providing any documentation or proof of account ownership, they are simply verifying it. Validation and verification must be accompanied by documentation which they have failed to provide. I listed the accounts removed and then placed banck as verified at a later date which is in direct violation of the FTC and FCRA. This is illegal and I am requesting monetary damages at this time. THEY ARE VERIFYING FRAUDULENT ACCOUNTS WITHOUT ANY PROOF OF DOCUMENTATION! 


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 2024-02-07
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing, INC is reporting a frivolous debt to my credit reports that are not legally owed to them. I have never in my life done any type of business with this company. 

They are reporting that I owe them {$490.00}. When did I receive {$490.00} from Convergent Outsourcing, INC? 

I have never received any sum of money nor any merchandise from this company! I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? There is no legal contract that is binding me to Convergent Outsourcing , INC . 

I have asked them to provide me with proof that I indeed owe Convergent Outsourcing, INC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. 

They have not provided me with any of the requested documents. I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either. 

Instead, they sent me a bill from XXXX  from XX/XX/2014, in which I have never had XXXX  service. I have been a customer of XXXX XXXX for over 15 years. I have called XXXX  on several occasions and asked that they provide me with documents or a contract of service so that I can file a fraud report with the authorities in which they couldn't provide me with any proof. 

So Convergent Outsourcing, INC what is binding me to your company? What makes you think that I owe your company money? When did I do business with Convergent Outsourcing, INC? Where is the contract that shows that I lawfully owe Convergent Outsourcing, INC money?
Consumer complaint received 2016-06-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding llc continues to send me letter asking me to pay on loan that has been taken off my credit report. They are thereatening to return this loan as 'Active Collection '. 
The account was charged off is XXXX. 
My detailed credit report was pulled in XXXX and nowhere was this loan showed and now LVNV is harrasing me by sending me letters that I owe money.
Consumer complaint received 2024-02-07
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. (AZ)

XXXX is reporting inaccurate information on my credit profile. I have no knowledge of these inquiries that are listed on my credit report profile. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (NC)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 2020-07-01
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: EQUIFAX, INC. (GA)

I am a 100 % combat XXXX veteran, Navient ( my account Number XXXX ) has been listed as paid charge off, I am a XXXX veteran, the military paid this account because I was XXXX and therefore was not a charge off. this was taken off my report t XXXX time as the other XXXX XXXX have reported. they are insisting that this is a paid charge off, do I need to sue them, I will, I'm sick of equifax, their unwillingness to take this off cost me a personal loan I was trying to get. please let me know how I need to proceed with this unfair company. I can not help that I was injuryed in a XXXX XXXX, I can not help if the Government was late paying, thats if they were late
Consumer complaint received 2024-02-03
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. (NY)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my dissatisfaction with the results of my initial dispute and request for the removal of charge-off accounts from my credit report. Despite my previous efforts and the passage of a reasonable amount of time, these accounts remain on my credit report, negatively impacting my creditworthiness and financial well-being. As a result, I am filing a formal complaint and requesting that the credit reporting agency takes further action to rectify this matter. 
I initially disputed these accounts, providing comprehensive documentation that supports my claim that these accounts were inaccurately reported. Despite my efforts and the legal requirement for accurate and fair credit reporting, these accounts have not been corrected or removed from my credit report. 

I would like to highlight that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these charge-off accounts continues to damage my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these charge-off accounts, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the disputed charge-off accounts from my credit report promptly, as required by law, if they are found to be inaccurate or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these accounts, and a written explanation for any accounts that were not corrected or removed. 

I understand that accurate credit reporting is crucial for maintaining my financial stability and obtaining essential services. I expect that you will take my complaint seriously and resolve this matter promptly to ensure fair and accurate reporting of my credit information. 

Please acknowledge receipt of this complaint within 30 days of your receipt of this letter. Failure to do so may compel me to take further action, including seeking legal remedies to address this issue. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-02-07
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I spoke to the company that sold my loan to the company XXXX XXXX. They directed me to call the company and lodge a complaint. The company charge a fee which they refer to as a processing fee after the fourth of the month. {$10.00} when you pay online, {$12.00} when you pay by an automated phone call and {$15.00} when you talk to a customer support person to make the payment. This reeks of a penalizing action on the part of XXXX XXXX. It is unfair as throughout the country mortgage holder have until the XXXX of the month to pay without penalties, and since they are telling me that if I pay by the XXXX of the month there is no penalty or processing fee then these fees can be viewed as a penalty. 

When I called and spoke to the company I was told that if I set up autopay there would not be a fee even if I paid on the XXXX of the month, it would appear that these penalizing fees are meant to be coercive so that customers will fall in line and sign up for auto pay. 
I am not happy about this and am asking for your assistance in this matter. 

Thank You XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

These addresses do not belong to me and ive never lived there. 

XXXX XXXX XXXX  XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX, HI XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against you.
Consumer complaint received 2024-02-07
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. (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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (FL)

I recently pulled my credit report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate late payments reporting. Please investigate and update as they are causing adverse harm to my credit report and good character : In accordance with the FCRA, my rights have been violated.15 U.S.C 1681 SECTION 602, 15 U.S.C . 1692 States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

All disputes have been mailed out to the company certified mail and return sender. 

On XX/XX/2024 I sent company a dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. 1 ) XX/XX/2024 XXXX # XXXX Inaccurate Personal Information. 2 ) XX/XX/2024 XXXX # XXXX Unauthorized Credit Inquiries on my credit report. 

A dispute was sent out XX/XX/2024 XXXX # XXXX for unverified late payments reporting on my consumer report on the following accounts XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX. 

I have attached valid copy of Passport, Social, and utility bill with my current and only address XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The only EMPLOYER that should be reporting is XXXX XXXX XXXX. 

This is now my second attempt trying to resolve this issue with XXXX.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of XXXX  for double dipping.