davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NRA Group, LLC (CT)

They were very rude and hung up the phone on me. I have an alleged debt of {$260.00} ( XXXX ) and they were not doing all they could to help me resolve what was going on. They would not wait for me to transfer my insurance company representative ( XXXX ) into the call. They had hung up on me multiple times. This was done on XX/XX/XXXX/17 at around XXXX. The supervisor XXXX was getting loud and very unpleasant as she got ruder because she did not want to call my insurance supervisors direct line.
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. (NY)

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
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute and request the removal of fraudulent accounts from my credit report. I have identified unauthorized accounts negatively affecting my credit, and I believe they are a result of identity theft or fraud. XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (NY)

ACS, a student loan lender failed to acknowledge my in school deferment and sent XXXX of my loans to collection, which put them in default. I only found out about it after applying for financial aid for the upcoming year. The FAFSA website told me to call XXXX. I called and spoke to XXXX to try to resolve the situation. XXXX told me that they are getting ready to garnish my wages. I told them that my family and I would not be able to live if they did that. I also told them that I 'm supposed to be on in school deferment, they should have never gotten the loans. At first, XXXX told me to fax them my taxes to do a voluntary repayment plan that I could afford. Than XXXX told me I needed to call ACS and tell them to do a repurchase because I was in school. I called ACS, and was told, " NO '' they were not going to do that. They did n't even want to help me. I think the representative said one sentence to me the whole time I was on the phone with her. I called XXXX and told them they would not do it and that they were not helpful at all. XXXX than told me to file an appeal and send documentation from my school showing that I was in school. I was told I would hear something within 30 days. I filed the appeal electronically through email that was given to me by a XXXX representative ( XXXX ). It has only been approximately 2 weeks since I filed the appeal. I have since then, received notification from my employer that they are garnishing my wages for this. What happened to the appeal? This is absolutely unacceptable. Why was I not able to defend myself at that hearing? What about the rights for the students? And, where is the guidance and assistance for students. I have a half a dozen other lenders that all have me on in school deferment. Everyone seems to be just passing the buck. This is outrageous. I ca n't even begin to tell you the undue hardship that my family is enduring because of this.
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear 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
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation.

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time.

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX XXXX XXXX XXXX. I understand the importance of timely payments and take full responsibility for the delay in settling the outstanding balance.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and thank you.
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. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX falsely reported that I didn't pay my mortgage to the XXXX credit bureaus. The bank did not credit my account with the payments each month making it look like I didn't pay. Their failure has damaged my credit and financially negatively affected me as I applied for car loans during this period. I want the credit reports corrected and I want financial compensation from the bank because I am paying a higher interest rate on the auto loan as a result of their gross negligence.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

Thanks to Synchrony bank my credit score has decreased and ruined my chances of getting a better transfer offer, they said I did not pay on time when in fact it was their fault to not deduct funds correctly from my bank account also they went ahead and deducted XXXX off my checking account with no authorization and now they charged me XXXX worth of interest in Cheap o air
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have on 3 occasions reached out to Transunion, XXXX, AND XXXX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.
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. (MD)

I have filed an identity report with the government to have these accounts in question investigated & I would like these removed they are affecting my credit. I have been told these accounts were verified ( which is false because they are not mine ) and did not provide any proof they were mine. My rights have been violated, and before I take legal action I demand these accounts be removed. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.
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. (MD)

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (CA)

I received a letter from Wells Fargo customer care dated XX/XX/year> Subject : Loan application denied during short-term payment suspension HELOC account ending in XXXX XXXX. Please call us by XX/XX/year> I contacted them immediately and they explained they are calculating what is owed to me in that Wells Fargo had to pay damages in this class action suit. They further explained a check, ( amount undetermined at this time ) will be mailed not later than 120 days. 

XX/XX/year> I receive the same letter which started the clock running an other 120 days from XX/XX/year> XXXX
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)

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits.

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

At the end of XXXXbeginning of XXXX I called Bank of America and asked about changing our XXXX XXXX travel rewards card to just a general rewards card. The customer service lady said it could be done, but that I would not qualify for any new customer rewards bonus plans. After I asked, she also said I could still use my XXXX points I had accumulated on the XXXX XXXX card. So I ordered/transferred to the new card. Two-three weeks later the new card, with a new number arrived and I activated it on XX/XX/XXXX I believe. Upon checking my online statement I discovered my old card had completely disappeared as did all the XXXX XXXX points and that they had been " converted to a new rewards program ''. I called Bank of America and that gentleman told me that they had converted my points to rewards cash and would be crediting my rewards account with {$1200.00} ( or {$1200.00}, I can't remember exactly now even though I've repeated it so often with them ). And if it had not been credited to XXXX, to call back. He even sent me an email on how to redeem rewards. It had not been credited and I called back I believe on XXXX. That is when XXXX and XXXX XXXX told me I had been " misinformed '' by both of the the previous 2 customer service reps. I am really entitled to nothing. And furthermore claim that notes had not been made or were not clear. XXXX proceeded to take my claim ( although it took a number of attempts for him to get it correct and I don't know if he ever did ). He also lied and claimed it would be 24-48 hours to honor my request to talk with a supervisor. It has never taken that long, and it didn't this night either. In the end, they both said they would have to submit a claim to the rewards division for their review, with could take a month. They also insisted we make a claim for {$1600.00} instead of the {$1200.00} because that was the real value of the points and I stood a better chance instead of using a random number like {$1200.00}. I said all I wanted was the {$1200.00} because that is what I agreed to, but whatever. Today, XX/XX/21 I called and was informed a letter was sent that basically all is denied. So everyone at Bank of America has lied to me and defrauded me of XXXX XXXX XXXX points or the rough cash equivalent of {$1200.00}. I am only wanting the {$1200.00} because that is what I accepted/agreed to initially. If I knew I was going to loose everything, I would have simply applied for and gotten a different card from a different bank. These people stole what I have earned and have lied about it since. This is not an honorable or acceptable way of doing business in this country.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation (TX)

On XX/XX/year> I contacted the company by phone to get verification of my debt, because of discrepancies that I had informed by dispute. Upon initial contact with the company on the specified date, was hostile in communication with me. After verifying my identity using my social security number, address, date of birth, and other personal information, upon their request, I was told that they are unwilling to verify my debt. I ask to speak to a supervisor, but they refused stating " My manager refuses to speak to anyone. '' then I promptly asked if " they are the highest company official I would be able to speak with or contact? '' they stated " yes! ". I was unsuccessful at trying to obtain verification of my debt.