davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

This complaint is to formally advise XXXX XXXX XXXX XXXX XXXX that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second correspondence and I have had no correspondence back from your company in over 45 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to Transunion is not the same balance that I had with the original creditor. Whatever liability I had with the original creditor has since been satisfied and that is why XXXX and XXXX is not reporting this inaccurate information. This complaint will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased/forward flow agreement. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. The dispute letter sent on XX/XX/scrub>XXXX  is attached which is dated and time stamped for your reference.
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. (AZ)

To begin, per the FRCA, as a Federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given any of the Credit Bureau 's, written, un-written, verbal, non verbal, per 15 USC 6802. According to the Privacy Act of 1974, I have the right to privacy on Third Party Reporting Agencies putting derogatory or negatively impacting information ; as well as The Fair Credit Reporting Act 15 USC 1681 ( a ) and ( b ) that the credit reporting agencies can only place information about me, the consumer, with my written consent or else it will effective banking industry.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

I have a side by side proof things have been mis-reported and I have attempted to dispute all of these inconsistencies with the three companies. XXXX, XXXX and TransUnion all have different information, some identity theft, some fraudulent activity and some reporting that I did not request. TransUnion on XX/XX/XXXX I disputed with TransUnion on multiple names that I did not put into their system, nor did I give them permission to use mis-spelled names. There were multiple un-mailable addresses included in my report with TransUnion that they say were updated before my dispute. They were not updated. They have multiple hard inquiries I did not allow and therefore, identity theft and false reporting is still occurring today. There are multiple dates of inaccurate reporting and delinquent mortgage accounts on TransUnion. XXXX and XXXX XXXX both have late payments which have been disputed because they are not my debts. I have never had a XXXX XXXX and it's on my TransUnion file as a closed account, which must be identity theft. As well XXXX. I have received absolutely no correspondence from them.
Consumer complaint received 2020-08-27
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. (CA)

XX/XX/2020 i file dispute with all three credit bureaus I have yet to receive anything from them. There has been enough time to reply to my request.
Consumer complaint received 2023-10-30
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: CITIBANK, N.A. (IN)

XXXX from XXXX XXXX XXXX XXXX XX/XX/2023. 
I contacted the company at XXXX, as listed on my report and requested the removal of the unauthorized inquiry and was given a number to contact for XXXX. XXXX instructed me to complete the report here.
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. (VA)

I put in a previous dispute for accounts reporting on my credit due to fraud and trans union credit reporting agency responded to needing proof of address sending proof of address to get accounts removed from credit report due to fraud uploading information for dispute # and proof of address
Consumer complaint received 2020-08-27
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. (CA)

on XX/XX/2020 i submitted a dispute letter to transunion. I yet to receive a reply from them. I feel they have had long enough to reply to my dispute
Consumer complaint received 2018-01-22
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. (TX)

XXXX continues to violate FCRA Regulation by reporting unvalidated information that is incorrect. I have proof from the " creditor '' that it can not be validated and it has not been removed yet. This incorrect info needs to be removed immediately.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Between XXXX  XXXX XXXXDepartment of Education and Mohela, I am receiving conflicting information and my Public Student Loan Forgiveness ( PSLF ) and Temporary Expanded PSLF ( TEPSLF ) is not accurately calculated. I requested a complete cummulative and collaborative review of my account between both agencies ensure accurate calculations. This has not been done. In my most recent response that I received from XXXX XXXX XXXX I was told Employer certification is needed. I have been providing this information every 2 months and I noticed the last completely process Employer Certification that Mohela has is XX/XX/2023.
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. (PR)

My CFPB # XXXX Transunion dont respond.

I have made several disputes with Transunion and they have ignored this. I wrote a letter to the Bankruptcy that is reflected in my credit report on XX/XX/year>, to send me his contract because they reported this incorrect account on my credit it has been more than 30 days since this and they have not sent me anything. I also made three previous disputes with Transunion requesting the information or research they use to report this account and they have not sent me anything. Attached I have the letters sent and the certified acknowledgments of receipt as evidence that Transunion is committing several violations and they have not deleted information from my credit that they can not verify. They also do not comply with updating information or sending me their independent investigation. The public record # XXXX XXXX
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identify theft. Enclosed is a copy of my credit report with the fraudulent items circled. I did not open these accounts or receive these loans.

Loans or accounts I did not open : 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 is reporting an address Ive never lived at with incorrect information including phone # s etc. ( proof provided ) Enclosed are copies of documents [ List all the documents you have to support your case, such as police report, ID Theft Affidavit, et... ] concerning the unauthorized use of my identity. I am requesting that you remove this information from my credit report as soon as possible and send me an updated report.

Thank you.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (SC)

i purchased a XXXX  but did not get it i file a dispute twice and they was suppose to stop payment until it was resolved but continued payment, after i disputed twice there was no resolve and then they closed my case
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NY)

XXXX XXXX convinced me to consolidate my loans with them back on XX/XX/XXXX. XXXX XXXX ensured me that my payments were going to count towards the Public Service Loan Forgiveness Program. I did not know any better. I called a few times to ensure that my repayment plan would count toward this Loan forgiveness program and was assured that each monthly payment would count. I kept making payments to them until the Fall of XX/XX/XXXX. I went to the XXXX website and transferred my loans with them to enroll in a qualifying Income Driven Plan. XXXX XXXX was not honest with me and made me think that my payments with them were qualifying towards the Loan Forgiveness program. XXXX told me that none of the payments I made with XXXX XXXX qualify towards the Loan Forgiveness program. Either XXXX XXXX or XXXX lied to me. This is injustice. I am serving my country by working on counter-terrorism initiatives at a government agency and these loan companies are taking advantage of former students like me.
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. (IL)

I have requested three or more times now that all negative accounts on my credit reports be investigated as they are not familiar, and my XXXX XXXX should have XXXX balance after XXXX plus years of payments so past the statute to collect on them after this amount of time per law the balance left is to be canceled and I also have ten years of eligible employment for the FMLA from XXXX XXXX XXXX House, State of IL IDES and Dept of the Treasury IRS. Yet XXXX just keeps getting the dispute and just turning around and not investigating and a day later sending me the same information, THIS IS ILLEGAL!!! ENFORCE THE FDCPA AND FCRA LAWS!!! I have provided a copy of my student data file for XXXX, these loans did NOT restart when the government changed loan servicers, but they started way back in 1993 and were consolidated by the government twice!!! It is THEIR JOB to have all of this information and not MINE to provide it to them!! Yet I still provided it!!! I want this complaint shared with the IL ATTORNEY GENERAL AND I WANT ALL CORRECTED AND REMOVED NOW!! AND DO NOT CLOSE ANY COMPLAINT AGAINST THEM ALL UNTIL ALL IS CORRECT AND FINE THEM DAILY UNTIL THEY DO CORRECT ALL!!
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-27
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2018-01-22
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. (LA)

I was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (AL)

I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe MEDICAL DATA SYSTEMS INC. The credit bureaus all come back stating the information has been verified. MEDICAL DATA SYSTEMS INC has been paid to the original creditor by my insurance company before any collections. MEDICAL DATA SYSTEMS INC Is reporting to unpaid accounts on all my credit reports that are incorrect.
Consumer complaint received 2020-01-18
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)

dispute submitted thru cfpb and was sent to the company. they state they reinvestigated the dispute however it is not possible for them to have reviewed all of the documentation I sent, then sent to their 3rd party vendor for review in order to just tell me the item remains unchanged from processing of my previous dispute request. I provided a multitude of additional documentation along with the complaint still no reinvestigation into this dispute. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MI)

NELNET I received your recently letter. NELNET your contract to service the U.S. Department of Education student loans do not start until after a date in XX/XX/XXXX. 
Currently NELNET can only process XXXX claims of federal student loans for the U.S. Department of Education. NELNET I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. NELNET consider that as the last letter you send me. NELNET you stole my identity. NELNET your employer the real U.S. Department of Education wrote you to Terminated the federal student Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal student loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education . The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of student loans website for electronic signatures, etc. Many federal student loans FFLE loans the government are still collecting on no mattter of the amount. Nelnet remove yourself of my credit reports immediately. Nelnet you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. NELNET your in violation of the Fair Credit Reporting Act. NELNET any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that NELNET sent in to open this student loan in my identity and if the CRA can not tell my why> NELNET CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. NELNET I AM NOT GOING TO PAY YOU AN XXXX.
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (WA)

Bonneville debt collection has called twice ( about a week ago and today XX/XX/2021 ) leaving a message but no detail other than a callback number. I don't have any unpaid debts and when trying to call the number they provide, you just sit on hold in a queue for over an hour. No one answers. Considering this isn't my debt, this is harassment.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I contacted XXXX XXXX about getting a new sign made for our businesses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I expressed that we were on a strict deadline and would only be able to proceed if the signs could be designed and installed by the middle of XXXX. 

He agreed they could do it so we proceeded. I paid them their deposits of {$500.00} on two separate cards XXXX came out and measured the signs and then handed me off to their design team. This is when the entire operation fell apart. 

They became radio silent. I had to send a few e-mails to get any response from them each time, and they kept making excuses, saying their design guy was busy or out on vacation. 

Eventually, he sent me a design artwork and it was nothing like I asked for. I asked them to make very specific changes to it and they went silent again. 

After the 3rd round of this happening, I put a halt to the project and requested a cancellation. It was almost XXXX and their designer was ignoring all of my requests to make changes and would never respond to me. 

They refused to refund the deposits, so I filed a chargeback on my Credit card. 

I just got word that Chase refused by chargeback saying their claim was legitimate, despite the fact that I sent all of the e-mails and proof that they didn't deliver the product I paid for. 

This complaint is primarily against Chase. This is the exact situation that this premium credit card is supposed to protect us from.
Consumer complaint received 2023-11-08
Product: Credit reporting 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. (NC)

I have been working many weeks on communicating with Equifax about my consumer report not being accessible to creditors. My equifax credit report has completely disappeared. I have tried to go and apply for thing for my family and a new car and have been told that they can not access my report. When I called Equifax ( most recently for the 20th time ) they told me it would be fixed in the next 30 days. It has not been properly reported in 5 months!!!!! THEY ARE PURPOSELY telling me they didn't get my letters i sent to verify me and i've grown frustrated and tired of working with them. The continue to lie to me month after month. I can see the credit report when logging in directly on Equifax official website, however when creditors such as XXXX XXXX  try to pull my report it is unavailable. It is also not able to be pulled in websites like XXXX, free XXXX XXXX, and other credit reporting sites. This is affecting my livelihood and I need to fix it ASAP. Thank you for your time and help.