davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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: ERC (TX)

In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-08
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. (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.

The letters are stated with items and issues.

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 2024-08-30
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. (TX)

I live in TX and am required to pay child support thru a court order via payroll deductions which are then sent directly to the SDU - Standard Disbursement Unit in XXXXXXXX XXXX XXXX, for processing to the other party in my divorce. While paying thru the SDU is now a legal requirement for all child support cases opened by the XXXX Attorney Generals ( TAG ) office, they continue to report incorrect, wrong, bogus, outdated information. When my case opened in XXXX, the requirement to use the SDU was not official and so my payments were made via check instead. Once the TAG implemented the SDU requirement, I was forced to get my ex to submit 3 years of back payment history, copies of checks, etc. to prove I paid as ordered. During this time, the TAG reported me as severely late. While it eventually got updated and everything corrected, they continue to file on my Credit Report as an open account in the arrears until it was ALL cleared. That was years ago. I have disputed this repeatedly with them and instead of clearing it, they just added another account under different details for the same cause #.
Consumer complaint received 2020-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion Credit agency arbitrarily reduced my credit score by over XXXX points which was not based on actual credit worthiness but " perceived financial impact '', their words not mine. 
The " perceived financial limpact '' is solely based on a survey they did, not my personal actual worth which has caused me harm in that I am unable to complete a mortgage application due to the drastic decrease.
Consumer complaint received 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Navient and XXXX XXXX loan companies. I took out loans for my XXXX  and XXXX. I was told by the University that they have 98 % hiring rate for new grads. * years went by and I still could not find a job. I finally got one now. During those eight years I had to take jobs that had nothing to do with my education. I incurred huge interest on my loans. I started with XXXX in debt and now it is at {$200000.00}. There is absolutely no way I can repay this back with huge interest rate. These companies pushing me into forbearance almost encouraging me every time I call to ask a question.
Consumer complaint received 2020-01-10
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. (MO)

This is regarding an Experian dispute report that was resulted on XX/XX/XXXX. 
XXXX XXXX XXXX , XXXX appeared on my credit report in XX/XX/XXXX with an unpaid/past due balance of {$520.00}. I have no knowledge of this charge. None. I have not been contacted by phone, email, or mail regarding this charge. This appears to be a debt collection agency. I am reluctant to personally engage with this type of people, and believe this to be a fraudulent charge, as the original creditor is listed as XXXX- a payday loan company?! I am a XXXX  with an exceptional credit rating, and have never used this type of service. 
I filed a dispute with Experian and today received a notice that this will remain on my credit report as, The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please see your report for the details. 
Experian did not share the details of the so called proof. How can I dispute something of which I know nothing? I pay a monthly fee to Experian for monitoring and help with this type of issue. What a disappointment.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the all three credit bureaus : XXXX XXXX Equifax, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Consumer complaint received 2020-01-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

In XXXX of XXXX we began talks with LoanDepot in order to re-finance our home through a loan modification. The reason for this was that I was diagnosed with XXXX and my husband lost a significant portion of his income. As we began to submit the required documentation, Loan Depot repeatedly changed the type of information required. 
Over the course of six months we went back and forth due to their changing whims. At no time were we able to speak directly to the group within Loan Depot requesting the information. We even had a professional group as well as an attorney submit our documentation. 
When we finally submitted all of the documentation, we were denied because LoanDepot stated they could not pull our credit due to a freeze. When we called each credit bureau, they each stated that not only was there NO freeze in place, but they had NO record of LoanDepot making an attempt to pull our credit. 
The result of this fraudulent position presented by LoanDepot was that we had to file for Chpt XXXX BK in XX/XX/XXXX. After we filed to save our home, LoanDepot attempted to withdraw funds from our account despite the filing. We noticed this and put a stop payment on their DDA Loan Depot , Inc. They then engaged in another fraudulent practice of changing their DDA to XXXX XXXX, to collect the funds that they DID NOT have authority to take. 
As a result, they took our money for a XXXX payment. Unfortunately, we did not know they already took those funds via those fraudulent means and we sent a separate check to remit our payment. When we noticed this action on their part, we immediately suffered significant monetary impact, but we thought at least the month of XXXX and the month of XXXX was covered. 
Loan Depot sent us a statement that showed that we still owed for the VERY month they nefariously took our money under the XXXX DDA. They denied the transaction despite our bank records showing the exact opposite. This took several weeks of calls to resolve. 

Ultimately, we feel that LoanDepot had no intention of reviewing, much less, approving a loan modification. We think is due to my husband 's XXXX and my XXXX. Their repeated changes to required documentation was used as delay tactics as well as their absolute lie regarding our credit freeze were cited as the reasons for the loan modification denial.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a long time customer of Capital One ... On XX/XX/XXXX th 2020 I purchased 4 airline tickets that were all declined ... 
ok I understand that and so I called Cap One customer service only to be told my accounts all three are frozen and I would need to submit a state drivers license or State ID card ... I explained I am a dual resident of California and XXXX and use my USA passport for ID as I do not need a state DL or State ID ... and I was out of the country until at least XXXX ... they /he the fraud manager said I would Need to fly back to the United States and obtain one of those two IDs and then they would unlock my account once I have that. 
I believe Cap One is breaking the law by not accepting a US passport as valid ID ... they did not want contact their legal dept and I finally gave up in frustration ... the managers name was XXXX and his employee ID is XXXX XXXX ... 
I know this is indirectly related to the Cap One data breach ... best regards XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-08-22
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. (TX)

This is a follow up complaint regarding the issue that I was a victim of identity theft. Once more, according to FCRA Section 605B, which is outlined in 15 U.S.C. 1681c-1, the Credit Reporting Agencies are required to remove and block any items listed on an identity theft report. Please see the ATTACHED documents to assist in the blocking and removing of the inquiries which were being posted to my report. Here is a list of the unauthorized inquiries which have been reported in my credit reports : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX 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 2024-08-30
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. (SC)

I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. 
FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report immediately
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-03
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. (NY)

I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and cant review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. Its bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i dont understand why and who is doing it.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I applied for mortgage relief with OcWen Services a few months ago. They responded last month by raising the interest due on my mortgage by about {$1000.00}. When I asked why, they said I should be paying 50 % of my income to them, so I could afford it. I kept saying I was asking for a lower payment not a higher one. They began calling and harassing me, and when I asked to speak to a manager in the US, they either out me on hold of said someone would call back, and they never did. I paid my usual mortgage payment in XX/XX/XXXX, and they refused to accept it. They say I owe the higher amount each month going forward. I don't understand how applying for mortgage relief can cause my payment to go up so much.
Consumer complaint received 2019-01-24
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. (TX)

on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.