davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
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 XXXX : XXXX XXXX Account XXXX : 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 2024-02-03
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. 

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 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 2020-05-11
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 have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
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. (FL)

I sent a letter on XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX TER XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXX  Balance Owed : {$370.00} RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-03
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 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 2019-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Ive had the Walmart credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time.

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled.

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create.

They lied, their business practices do not keep the consumer in mind, and something should be done to them!
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

For the last ten years, I have faithfully made each of my student loan payments while following all of the prescribed guidelines to fulfill the requirements to qualify for the Public Service Loan Forgiveness Program ( PSLF ). After successfully completing the required 120 payments, and submitting the proper paperwork to FedLoan servicing I have received non-answers or have been given conflicting information regarding the status of my application for forgiveness. Since XX/XX/2019, I have been working with FedLoan to have my loans processed and forgiven. For four months, it appears that no meaningful work was completed and only as of XX/XX/2019 was my information sent to the Department of Education for further processing. The lack of clear communication between FedLoan and the Department of Education is beyond frustrating. And to add to the frustration, when speaking to representatives with either FedLoan or the Department of Education ( Federal Student Aid ) they say that the other office/department is responsible for the processing of my application for PSLF. This whole situation is extremely frustrating, for 120 months I have done my part and lived up to my end of the bargain regarding PSLF and now that I have surpassed the 120 payment mark, I have been left to hang out in the wind. I can get no information as to the status of my application and when I can anticipate a payoff date. I am trapped in my current job because, due to the requirements, I have to remain employed by a non-profit organization to receive the payoff via PSLF. This entrapment is now having a financial impact on my longtime earnings potential. I need to know when my loans will be forgiven!
Consumer complaint received 2024-02-03
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$49000.00}.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (WI)

The debt was taken care of with the property management XXXX XXXX XXXX of XXXX XXXX Texas in XX/XX/2018 and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by Procollect collection agency. I called procollect and told that debt was paid and they contacted the company it took procollect 2 months to update to my information to state I do not owe any money to either XXXX XXXX XXXX or Procollect. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The U.S. law that governs credit bureaus reporting UCC ( Uniform Commercial Code ) filings is the Fair Credit Reporting Act ( FCRA ). The FCRA sets the guidelines for how credit reporting agencies can collect, maintain, and report consumer credit information, including UCC filings. UCC filings are typically made when a creditor has a security interest in a debtor 's personal property. The FCRA requires credit bureaus to provide accurate and up-to-date information to consumers and allows individuals to dispute any inaccurate or incomplete information on their credit reports.
Consumer complaint received 2020-01-16
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. (CT)

I checked my credit report and I have a collection account showing when I have perfect credit and pay everything on time and early most of the time. It seems to be a medical bill and I believe my information has been compromised or this is a flat out error on the credit bureaus behalf. Please help me remove this account { XXXX XXXX, XXXX } off of my credit report.
Consumer complaint received 2024-02-03
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. (FL)

I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late.

Thank you! Please see the screenshots attached.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

The property address:XXXX XXXX XXXX XXXX XXXX has been in foreclosure since XX/XX/XXXX with no resolution. I complied w/all requests. 
The process of foreclosure started XX/XX/XXXX. I hired a short sale atty and realtor to help get the sale resolved quickly. Wells Fargo continued to give us the runaround for well over one year. Finally, XX/XX/XXXX they approved the sell but by this time I had to file bankruptcy due to the expense of maintaining the property. I had to dismiss my yard and pool man due to lack of funds. It was my understanding that Wells Fargo would make sure the upkeep of the property was continued. I have received a bill from XXXX XXXX ( XXXX XXXX XXXX ) for y maintenance of the property in the amount of {$240.00} for yard service. I do not have the money to pay this bill. Wells Fargo will not allow me to ask questions on my own account. The reps handling the acct # XXXX are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The ph # XXXX and fax # XXXX Consumer 's Desired Resolution : Wells Fargo has been gathering information on me and the property for almost two years. This process should not have taken this long. I want to have my situation resolved w/n the 30-60 days. I want Wells Fargo to pay the bill for maintenance. There should be open line of communication w/the homeowner 's association regarding what is required to satisfy the deed restrictions in that community. Please have Wells Fargo pay their attorneys that they hired to setup the foreclosure.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Received a credit report today from Equifax via US Mail. The problem is that it had my full SS #. These are not suppose to be sent out without disguising a portion of it. Just plain careless, especially with the latest problems the company is having.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 : XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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.
Consumer complaint received 2024-02-02
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. (TX)

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. 

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 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. (VA)

Yes I have a family member that committed identity theft and opened a credit card account that I did not get permission to open this is fraud, payments have been made on the account to keep me from finding out but this account does not belong to me and I will like it to be deleted from my Credit profile please This was done without my knowledge
Consumer complaint received 2022-10-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

XXXX XXXX XXXX purchased my account from XXXX XXXX. I took out several online loans through XXXX XXXX and all of them were paid. I was notified when they were paid by their website updating automatically that there was {$0.00} owed and the account was not past due. These were set up on automatic debit. I have screenshots from XXXX 's website which show that none of my loans are past due and I owe nothing. 

National Credit Adjusters has refused to send proof the debt was paid. Sending an original loan document shows there was a loan not that there currently is a loan. 

The bank account the loans were drafted from don't go that far back, but as you can see from the screenshots all of my loans show {$0.00} past due and nothing owed because I've paid off my loans.
Consumer complaint received 2024-02-02
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. (FL)

I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.
Consumer complaint received 2024-02-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
These are fraud inquiries please delete
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

i 've been trying to lift temporarily a security freeze with Equifax and they wo n't do it online nor on their telephone automated service ... they just tell me to mail it to them and hangup on me. i have had a credit freeze for many years and the other XXXX bureaus are all accessable online and by phone when i need them. but not equifax. not only do they loose my personal information through a breach but then deny me access to lift my credit freeze. I use to call a number to get a human being to help me but Equifax cancelled that line. " no longer in service '' XXXX. I used it last month to get my mortgage. Today disconnected. This is not customer service. 

How can i mail them a request when I do n't know when they 'll get the letter nor confirm they got my request and have lifted it. Why ca n't Equifax equal services that the other XXXX bureaus offer to consumers that are victims of fraud? Their answer is mail it? for what date? I need it TODAY! not in a month. They are really messing with me and with every consumer they just SHUT DOWN AND HUNG UP ON by the elimination of their phoneline to help us. 

Attached is a screen shot of their helpful information ... note that they give contact info and phone numbers for the other XXXX bureaus and ZERO for themselves. They need to be taught how to treat consumers.