davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX, PA XXXX Dear TransUnion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX ( Bank ) I Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX ( Bank ) Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXXXXXX ( Bank ) Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX ( Bank XXXX XXXX XXXX : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX ( XXXX and XXXX ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX ( Bank ) Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX XXXX XXXX ( Miscellaneous ) Inquiry XXXX XXXX XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit reporting agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that was on file for the account listed below. To no avail there was no proof provided, agency told me that the creditor validated the debt with no documents which is a violation of fcra. I have called multiple times and sent letters to be told they can not remove it and only the creditor could. The account is a collection and this account is not the creditor. 

Account in violation : XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXXXXXX XXXX XXXX  Account Number # #, has violated my rights. 

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written consent.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (FL)

I have a credit card with Comenity Bank, and they apparently have some " system outage '' for almost a week now. You can't get through to customer service. You can't log in online. You can't make a payment. NOTHING. There is zero information posted anywhere other than it's taking longer than normal. 

I've read socials, and hundreds of other customers have had the same issue. 

If I get charged a late Fee, someone else better be paying it.
Consumer complaint received 2022-04-23
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. (NY)

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX I am still yet to hear back from the other two bureaus Transunion and XXXX about this particular account. To avoid more irregularities and improper investigation or lack of, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

Errors and my comments about my dispute are highlighted in yellow on the pdf file that will be attached to this complaint. The pdf file is a part of a recent credit report pulled directly from myfico.com Date closed XX/XX/2019. A closed account can not have activities after the date it was closed. The last activity dates are not the same. More inaccuracies. 

XXXX did not do a proper investigation and just updated the account information. 
The Last updated date for XXXX after yet another dispute reflects XX/XX/2019 and the same date for the first reported date. The report number for the dispute with XXXX is:XXXX Updates are not considered proper investigation. Remove this account immediately per 15 U.S. Code 1681s2 prohibits ( A ) Reporting information with actual knowledge of errors.
Consumer complaint received 2022-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

The Family Support division keeps reporting false payment information and has my account status closed in collections for arrear payments. I have wrote letters to all 3 credit agencies of this incorrect information. 

I have no missed payments and I am recently divorced as of XX/XX/2022, the judge reduced the amount of the payments and eliminated all arrear payments. I have provided proof of these documents, ( payment history printout from social services which collects this data & my final divorce decree ). XXXX is the only agency that had removed this account with the proof i have provided, XXXX XXXX Equifax keep stating the information they receive is correct from the debtor. Which keeps me disputing the same item over and over again. Why are asking me to submit documnets, which i provide, then doesn't take into account of it being valid. 

The bi-weekly amount out of my check is {$410.00} for payments and arrear balance of {$3800.00}. MO family support had never reported any of my payments until i disputed this with the credit agencies, which lowered my credit score significantly .By law they are to report all data each month, which they are not. 

I have disputed these remarks in XXXX, XXXX, XXXX given 30 days of each investigation
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (PA)

XXXX XXXX Student Loan : I have reached out to XXXX XXXX XXXX in XXXX XXXX XXXX and XXXX XXXX XXXXXXXX about my loans and the incorrect reporting since my loan went into forbearance late XXXX. I was told they would never ( and could never ) submit to change their error, regardless of fault. The maximum amount borrowed was less than {$75000.00}, but it is reported as over {$86000.00} that I borrowed, when that is not true. The line of credit was {$75000.00}, so that is not possible. I have made payments every month that they have been due and have not been delinquent. 
I called XXXXXXXX XXXX XXXXXXXX again on XX/XX/XXXX and was told they would write to collections try to fix the issue. They stated that - on their end and in their system - my account shows it was closed in XXXX XXXX XXXXXXXX, with a maximum possible credit amount of {$75000.00}. They also informed me that they sold their loan to another lender that they called collections, which explains the incorrect reporting. I am not even the owner of the account, just an authorized user. My account was never Delinquent to go to a collections agency. 

XXXX XXXX XXXX XXXX XXXX XXXX : I suffered from XXXX and XXXX  XXXX from XXXX XXXX XXXX I called XXXX XXXX XXXX and discussed closing my credit card with a monthly payoff payment. They informed me they can not close it, but reduced my payment from over {$80.00} down to {$47.00} and then sent me a letter telling me that paying $ XXXX won't pay off my card for 10 years. They also still reported XXXX - XXXX payments as delinquent, even when XXXX XXXX said it would not be reported because I paid the new minimum and kept up with payments/informing them. XXXX XXXX also informed my on XX/XX/XXXX that my XXXX payment was returned and threatened to go back and report it, even though I still paid it within the grace period. My debt has been increasing to a point I can not keep up with, and I informed them that it is keeping my credit score from being able to have a roof over my head. They still have not closed my credit card account.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting act XXXX XXXX account number ending in XXXX, has violated my rights. 

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.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting and XXXX account XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 004 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my writion instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer roporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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. (NC)

There are two student  loans that are showing on my credit report that I didn't open and didn't sign for my parents sign for the loans the school that open the loan was a fraud and they closed down and was in the news paper I didn't open the loan and it isn't mine the account is also closed and paid it should be removed by law its not mine and the account is closed and paid
Consumer complaint received 2022-04-24
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. (AR)

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX, and XXXX has violated my rights! 

15 U. S. C. 1681 section 602 A states that I have the right to privacy.

15 U. S. C. 1681 section 604 A Section 2 : Also states a consumer reporting agancy can not furnish anaccount without my written instructions.
Consumer complaint received 2022-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Good afternoon, XXXX this message finds you well. 

My name is XXXX XXXX. I have banked with JP Morgan Chase for over 15 years. I have a checking account and Home equity loan with them. In XXXX  during the height of predatory lending, Chase offered me a Home Equity loan of {$150000.00} at a very high fixed interest rate of 8.6 %. The Chase representative did not explain to me that I would initially pay interest-only for 10 years straight, and a fixed amount of {$1300.00} monthly through XXXX. And I had no lawyer in the room to explain to me what I was signing. I recently attempted to pay {$40000.00} into the principal, but was told that even after that payment, my monthly fixed payments would not change until I finished paying off the loan in XXXX. 

For the last 15 years plus, I have paid Chase well over {$230000.00}, at a very high interest rate, but my current balance is still over {$130000.00}. It means over the last 15 years, I have only paid just over a thousand dollars per year towards my principal. I believe this is very unfair and very bad business practice from JP Morgan Chase Bank. 

I have approached the Chase Executive Office many times to come up with a settlement as my contract is not sustainable. They always tell me I signed the contract/promissory note in XXXX, and there is nothing they can do. I have been a loyal customer with Chase all these years, and still in good standing with all my payments. But the contract I have with Chase is very unfair to me. I am a hard working professional, but Chase bank has taken advantage of me. 

I really need help to settle this Home Equity with JP Morgan Chase Bank. Can you please help me? Please! 

With thanks, XXXX XXXX. 
Cell : XXXX XXXX XXXX Home address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY, XXXX.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, 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 the 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 804 A Section 2 : It also states a consumer reporting agency can not fumish a eccount without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Seclion States : no consumer reporting agency may make a consumer report containing any of the following items of information Any olher ad item of information, olher than records of convictions of crimes which antedales the report by more than seven years. 
1 I want the CFPB to publish this description on consumerfinance.gov Account # : XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

I have 5 Comenity XXXX cards and have tried for 5 days to try to pay my bills. I cant log in or call the customer service line. It says a plan maintenance is taking longer than usual. I am worried about being charged a late fee on my accounts.
Consumer complaint received 2022-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

On XX/XX/XXXX, I made a payment on my mortgage that brought my LTV ratio on the mortgage to below 80 %, based on the original valuation of the property. ( The property value as since appreciated significantly ). 
On XX/XX/XXXX, I spoke to a Mr. Cooper representative requesting an end to my PMI payments. 
I then sent a letter, which, according to USPS, was received by Mr. Cooper no later than XX/XX/XXXX, also requesting an end to my PMI payments. 
It has been 46 days since they received my letter -- and 54 days since the payment in question -- and in that time, they have made two additional deductions of PMI payments to my escrow account, all while refusing to respond to my letter.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights.

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