davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
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)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and loans from : XXXX XXXX XXXX XXXX with a balance of {$39000.00} XXXX XXXX XXXX XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX with a balance of {$28000.00} XXXX  XXXX with a balance of {$5500.00}. 

The hard inquiries n my credit report that should be removed, blocked and deleted are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft and The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

I looked at my exquifax credit report on an XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2021-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XXXX XXXX : On going credit changes due to charge accounts going up and down payed many cards off, no Balances for more than a month dropped my score 60 +. Taken longer to raise my score back up credit is exceptionally well. 

How can you drop your balance, decrease 's and your score goes down 24 PTS.??? 

Equifax ; same solution but better but not fast to increase your score based on traditional percentage use. 


Thank you for all your help XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-12
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. (MN)

I am writing to formally file a complaint against TransUnion regarding their inaccurate reporting of a balance on my closed account with XXXXXXXX XXXX I have disputed this issue with TransUnion several times, as the ongoing reporting of a balance on this closed account is both misleading and inaccurate. This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file.

Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies.

Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report.

Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with TransUnion, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing.

I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-12
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)

XXXX XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized 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 These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

Hello, I am writing to express my concerns about how XXXX XXXX  and Navient have been mishandling my loans.
I have successfully completed with A Student Loan Rehab Program that assisted with restructuring my loans with a private loan service " collection agency '' XXXX XXXX Shortly after competing there program and completing on time payments they stated my loans would go back to the original debt collector Navient.
When my loans were sent back to Navient I applied for an IBR and completed that program for a year. When I was up for my renewal I completed my re-certification indicating how much I would like to pay in the IBR program.
I received information that I did not have to pay for the year which I thought was odd for the this year 2017 the entire purpose is to PAY on my loans. Despite that I am still making payments probably not even making a dent on the amount owed horrible.
I also applied for my re-certification with XXXX XXXX which I completed a year long with them paying XXXX on each loan a total of {$10.00} per month it was much but when your trying to make a living and not go into another collection {$10.00} is still {$10.00} that could go towards fuel and/or food.
In my re-certification I was informed that I would not have to pay back for this year which is not what I asked. I specifically request to be charged automatic debt to my bank account {$20.00} per month {$10.00} each loan which I have attached to this email. I have so many forms from Navient and XXXX XXXX that sending them all would not make sense to anyone so I am sending what I think is only logical to prove my statement.
I now work for XXXX XXXX in XXXX XXXX ( XXXX XXXX, NV ) and being that I meet the criteria for the Public Service Loan Forgiveness program I was rejected twice.
Both rejections said my loans did not qualify. I called to speak to a representative and she gave me the run around stating my student loans were " commercial '' and that they need to be switched to be able to consolidate them once I complete that than I can apply for Public Service Forgiveness. I am not sure the validity of this as these reps are trained to just talk and talk to confuse us on purpose and cause confusion and unnecessary stress and XXXX to me.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DE)

I opened a Venmo account, and linked my bank account and some other card accounts back around XX/XX/year>. I did not use the account very often, nor did I regularly store any money in there or make payments to others. I used it only in the event that I needed to because I was requested to use Venmo, or Venmo was the easiest, most efficient transaction available. In XXXX, after I transfered some money from my own bank account into Venmo, almost immediately after the money was received in, then Venmo decides to freeze my account and tell me there was nothing they could do about it and I would have to wait 180 days for the funds to be returned. I tried to patiently wait, but by holding these funds they forced me into some challenging circumstances with a brand new baby at home. I contacted them twice throughout the summer to see if enough time had passed for them to release the funds, and explained to them again that the money they were holding came directly from my own bank account in my own name, and that I needed that money to provide for my family. They would not budge. The 180 day mark is either quickly approaching or has already passed, and I reached out again to know exactly what day the funds would be accessible to me, and how they would be made accessible to me. But, Venmo has not responded, and I am worried ( from seeing the enormous amount of people who have posted nightmarish similar stores online ) that Venmo will drag their feet and/or decide not to return the money at all. I know there are bad actors out there, but it really seems that this is happening far, far too often - surely there must be something that can be done to stop Venmo ( and its brother, PayPal, and all the other horribly, shamefully, disgusting greedy companies ) from doing this to people. And, if they do, they should have to provide at least a basic explanation and be held accountable when they don't return the funds. There is no way that the many thousands of poeple affected by Venmo 's policy are acting in bad faith. Just because Venmo cries " security '' doesn't mean that consumers ' rights are flushed down the toilet. Consumer protection is also a pillar of our economy, but its quickly crumbling becuase we let these large corporations get away with such blatant acts of theft, disrespect, and dishonesty.
Consumer complaint received 2024-10-12
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)

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 1692c, All charge off need to be removed under 15 U.S.C. 1601 15U.S.C.1681 ( e ) ( i ), All late payments 15 U.S.C . 1666 ( b ), 15U.S.C 1637 ( a ) the items that need to be removed are XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The California Rosenthal Fair Debt Collections Practices Act Cal. Civ. Code section 1788, et esq the Rosenthal Act
Consumer complaint received 2024-10-12
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. (LA)

I have submitted several disputes about this account XXXX XXXX # XXXX, not reporting accurately to my consumer report. Both XXXX and Trans union keep making false statements claiming the account is reporting accurately and it is NOT! CFPB is suppose to make sure me as a consumer is getting treated fair and that's not happening in this case ...... 
According to 15 USC 1681 E ( B ) - ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. 
Also under 15 US C 1681i ( 5 ) Procedure in case of Disputed Accuracy- if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information 's found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall remove it from consumer report.. 

I have enclosed copies and high lighted all the inaccurate on this account
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OK)

I have several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened on XX/XX/XXXX. Both have the balnce of {$2000.00} ( see attached screenshots ).
2. Both of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this account.
Consumer complaint received 2024-10-12
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. (AZ)

This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency as well as XXXX and XXXX, block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint. 

The fraudulent accounts that I do not recognize and that were opened without my consent are as follows : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Additionally, the following hard inquiries have appeared on my credit report, which I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts , collections , or inquiries were opened , made, or initiated by me. They are the result of identity theft and fraud.

I have attached a list of the fraudulent inquiries in question, along with supporting documentation, pictures of my identification, including a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the U.S. Federal Trade Commission that all of the above accounts and inquiries are indeed fraudulent. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally dispute inaccuracies on my credit report, which I have previously raised for investigation. Despite my repeated requests, these errors remain uncorrected, and they continue to have a detrimental impact on my financial standing. The incorrect information on my credit file is not only causing damage to my XXXX XXXX but is also creating significant obstacles in my ability to secure financial opportunities and live a normal life. 

These inaccuracies have resulted in considerable hardships, and I am requesting immediate corrective action. I respectfully urge you to conduct a thorough investigation of the disputed accounts and take the necessary steps to update my credit report accurately. 

It is critical that this matter be resolved without further delay. I hope that with your assistance, my credit file can be restored to reflect its true and accurate status, allowing me to regain control of my financial health. 

Your prompt attention to this matter would be greatly appreciated, and I look forward to your swift response. 

Thank you for your understanding and support.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$3200.00} XXXX  XXXX Account number : XXXX Balance : {$780.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1100.00} XXXX XXXX XXXX Account number XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$780.00} XXXX XXXX XXXX Account number : XXXX Balance : {$440.00}
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Tidalwave Finance Corporation (WI)

I have called numerous times to get the lien release on vehicle which was paid off  XXXX  .17 and t hey stated its there policy too hold the title for 30 days. I have paid the entire loan in full. I am in a chapter  XXXX , but per the attorney, trustee, state of wi, and the financial the loan is satisfied 100 %. They have no rights to my title. Per laws they have to release lien to me immediately and have not.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (TN)

A hard inquiry was submitted on my XXXX credit report BARCLAYS BANK DELAWARE requested X/XX/2017 with my home address. I called the business talked to a representative I gave her my name and my last four digits of my ss # and she said she could n't find it with that information that she would need my full ss # at this point I was afraid to give that much information. I have not applied for any loan or credit card and am unaware of this particular bank or business. This is a fraudulent inquiry that I have not requested.