davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
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. (FL)

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 2017-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Navient is unable to prove who owns my student loan ( XXXX XXXX XXXX XXXX XXXX issue recently seen in the media ). They have been collecting regular payments from me since XXXX XXXX, and over half of the payment amount goes toward interest. If myself or my loan servicer ( Navient ) does n't know who my loan belongs to, how do they know how and where to allocate the money they collect from me every month? They are collecting interest illegally.
Consumer complaint received 2023-12-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Main Resolution Group (NY)

I received a voicemail on XX/XX/2023, from a man named XXXX XXXX, informing me that there was a " pre-litigate complaint '' forwarded to his office that morning. He said I had XXXX hours to reply with a verbal statement about my intention regarding the debt. 

I knew throwing around hints of a lawsuit was an empty threat, as I had received no written communication regarding one, but I made sure to call back to see what this is about. 

I called XXXX back on XX/XX/2023. He informed me that an old payday loan I defaulted on with a company called XXXX XXXX XXXX had escalated to the point where they were pursuing legal action against me. He said notices had been sent to an old address of mine. I informed him I no longer live there and have received no notices. Rather than ask me for the correct address to send notices to, he went straight for payment. 

I was given the option to either pay {$2700.00} now to settle the debt or be sued for over {$6000.00}. According to him, the ability to pay in installments was no longer an option. 

I informed him I intended to pay the debt and had always intended to pay the debt, but that I don't have {$2700.00} right now and it would be at least a XXXX  before I do. He said I have until Monday before they send my file to the attorneys. 

Once again, an empty threat -- Monday is XXXX XXXX XXXX XXXX. I'm pretty sure neither he nor any attorneys will be working. 

Nonetheless, I told XXXX XXXX I would attempt to come up with the money by Monday. My plan was to look into loan options or put off paying some other bills in favor of settling this debt. 

However, on XX/XX/2023, I received another voicemail from XXXX XXXX. This one accused me of blocking his number, which I did not, and that they're now going to forward the complaint to the attorneys as a " direct refusal to comply '' even though I made a verbal promise to pay just the day before.

At no point in any of my communications with XXXX XXXX was I given a " Mini-Miranda Warning '' in accordance with the Fair Debt Collection Practices Act. Even though XXXX XXXX works for a pre-litigation firm and not a collection agency, my understanding of the FDCPA is they are still bound by the same debt collection regulations.
Consumer complaint received 2024-02-05
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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX and Reporting Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Account # 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. 1681 section 602 states I have right to privacy.

15 U.S.C. 1681 section 604 Section A states a consumer reporting agency may furnish a consumer report 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 items of adverse information, other than records of conviction 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 2017-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (MI)

I contacted lending club on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to XXXX XXXX XXXX. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to XXXX XXXX XXXX. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by Lending club. This is totally misleading and deceitful.
Consumer complaint received 2024-02-05
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)

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.

has violated my rights. Or a 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 2024-02-05
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. (SC)

Ive also contacted XXXX, Trans Union and XXXX regarding unauthorized inquiries due to identity theft. I have reporting documents, stating these facts all financial XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, merchant, credit bureau, XXXX, XXXX and etc. are all on authorized inquiries ive also called and sending information regarding updating my personal information and no respond back.
Consumer complaint received 2024-02-05
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)

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 : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a 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 2024-02-05
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. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have Contact XXXX, Transunion, XXXX, XXXX XXXX XXXX college agency Due FTC Identity Theft Report and inaccurate information on my credit profile, I specific told all these thirty party Agency to Removal collection, charge off inaccurate addresses inaccurate name, and current Employer due to FTC Identity Theft Report.
Consumer complaint received 2024-02-05
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. (CA)

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 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (IN)

I was tried and plead guilty to two XXXX XXXX and XXXX on X/XX/17, i paid the XXXX dollars required and then went on an XXXX XXXX for 3 months and am now continuing on to XXXX for the next year and a half but since employer background checks are coming back with a XXXX XXXX! I am not a XXXX, and this incorrect information has caused me to miss the largest career oppurtunity of my life. Please help!!
Consumer complaint received 2017-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Was advised that on the tenth business day provisional credit would be issued in my checking account in reference to a claim, fraudulent and unauthorized activity with my lost and or stolen debit card on XXXX/XXXX/2017. Credit has still not been issued. Claim ID XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account is 7 years old and is still reporting on my credit. I thought that according to federal law, negative items on credit reports were to be removed and deleted after 7 years. I have reached out to the creditor and the credit reporting agencies multiple times requesting the deletion of this account but they continue to be negligent. 

The details of this account can be seen below : XXXX XXXX XXXX XX/XX/2017 {$3900.00}
Consumer complaint received 2017-10-30
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. (NC)

On XX/XX/XXXX, I disputed a credit inquiry with the company known as XXXX XXXX. On XX/XX/XXXX, XXXX XXXX sent me correspondence in writing informing me that the credit inquiries will be deleted based upon their reinvestigation. XXXX XXXX authorized Experian to delete the credit inquiries from my credit report. Experian wrote me a correspondence by mail also informing me of the inquiry deletion. However, as of XX/XX/XXXX, I logged into my Experian.com account and noticed that the credit inquires were not deleted from my credit file. I also have attached a copy of the letter that Experian maied me verifying that the inquiry from XXXX XXXX was deleted.
Consumer complaint received 2024-02-05
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. (OR)

I am writing to express my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files.
Consumer complaint received 2017-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

I opened a new checking account in XXXX with BMO 's promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included retirement/pension payments. I went out on leave from work in XXXX and started using funds from my retirement account for ongoing expenses. I deposited these funds from my account to BMO several times over the following 90 days. However, BMO is now telling me that those deposits are a fund transfer and I am therefore not eligible for the account promotion, despite them listing retirement/pension payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

I previously complained about Wells Fargo. They stated my issue would be resolved by XX/XX/XXXX. They called onXX/XX/XXXXto say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution
Consumer complaint received 2024-02-05
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. (NC)

There are several Credit card accounts and one person loan account that exist on my credit report that I didn't open, nor do I have knowledge of. This is obvious Identity Theft. I have contacted XXXX by mail, online, and over the phone to try and resolve this Identity theft, several different times over the course of one year and a half. I DID NOT OPEN THESE ACCOUNTS, NOR DO I HAVE KNOWLEDGE AS TO WHO DID. I have attached my Federal Trade Commission Affidavit, as well as a Police report from my local police station, along with the detectives information thats handling the case. I have also contacted the FBI and filled out a report, along with contacting Home Land Security. I sent copies to the Attorney General of my state which is North Carolina.
Consumer complaint received 2017-10-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Innovate Managed Holdings, LLC (TX)

On my credit report the the company ( XXXX XXXX XXXX [ closed ] /XXXX XXXX XXXX ) states that I owe {$10000.00}. I spoke to a rep in the repo dept department at XXXX and he said that I only owed {$3200.00} ( estimated ). That 's the first complaint. Second complaint is the fact that XXXX XXXX XXXX never notified me of the selling of my account. Third complaint, this company is reporting me as being late several times throughout the loan when in fact ... I was never late a single payment until I lost my job. The company repo'ed my car causing me financial hardship and severely affecting my credit worthiness in getting another vehicle. I tried to communicate with the above company to no avail. They were n't hearing anything that I had to say. I called several times and each and every rep was extremely rude and totally heartless. Please remove this company from my credit report.
Consumer complaint received 2024-02-05
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. (OK)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2017-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

CHASE HAS LOST ALL MY INVESTMENT ACCOUNT THAT I HAD WITH WASHINGTON MUTUAL AND 401K PLANS AND REFUSES TO GIVE ME MY DAUGHTER SOCIAL WHEN I SHOWED THEM I 'M THE ACCOUNT HOLDER
Consumer complaint received 2024-02-05
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. (CA)

Transunion wont remove the following records despite multiple disputes Can you please remove the following inquires below from XXXX, XXXX and Transunion reports I have hired a professional company however the credit agencies are not compliant. 
XXXX : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Transunion : XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation (CA)

Debt collector was assigned by the original creditor to collect the remaining balance on a check for XXXX. Their records indicate that I made a XXXX payment leaving a balance of XXXX. The collection agency has reported to the credit reporting agency that the balance is XXXX. The debt collector among other charges is attempting to collect three ( 3 ) times the amount of the check per California XXXX XXXX XXXX ( a ) which requires a certified letter. On XX/XX/XXXX I contact the debt collector and their response was a notice of dishonored check dated XX/XX/XXXX which I have never received.