davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (PA)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I applied for and received Income-Based Repayment ( IBR ) for my student loan. Navient sent me the letter of notice of approval  for IBR  on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   1  ). Navient then sent me a bill for my new IBR on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   2  ). I paid this bill and a couple of months in advance on  XXXX   XXXX ,   XXXX   ( see Exhibit  XXXX   XXXX   3 ).    XXXX  On  XXXX   XXXX ,    2017  Navient sent me a bill for repayment of my student loan with out IBR and a bill that was due four ( 4 ) da ys earlier on  XXXX   XXXX ,    2017 ( see Exhibit   XXXX      XXXX    4 )  .   XXXX  I also submitted a remittance slip with the correct amount due to get the payment correctly allocated as per the criminal defendants  Navients  own instructions. The remittance slip is now in the possession of the criminal defendant.
Consumer complaint received 2024-10-23
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. (DC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XX/XX/XXXXXXXX XXXX Charge account XXXX XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX XXXX XXXX  Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX/XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (AZ)

XXXX XXXX has now placed this debt that is not mine into a different debt collection company that is negatively impacting my credit score. I informed them multiple times that this is not my debt! I have been trying to get this sorted out since 2012 and XXXX XXXX fails to take action, claiming this debt that is n't mine and placing on my credit history. I do n't understand how this is even legal.
Consumer complaint received 2024-11-20
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. (TX)

I am deeply disappointed by your continued failure to address the inaccuracies on my credit report. Despite submitting multiple disputes with clear evidence, you have repeatedly verified incorrect information, which is both negligent and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

This ongoing issue is unacceptable. I demand a comprehensive reinvestigation of the attached documentation and expect you to correct or remove the inaccurate information immediately to ensure my credit report is 100 % accurate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX XXXX bank is reporting incorrect information on my credit report XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX XXXX, am hereby exercising my right under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in your database. The FCRA provides that consumers have the right to dispute any inaccurate information in their credit reports, ensuring that such information is accurate, fair and private. 

In particular, I request the removal of the following addresses, names and dates from my credit history, as I believe they do not accurately reflect my current situation : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This application is based on several provisions of the FCRA, which ensure the protection of consumer rights : Section 609 ( 15 U.S.C. 1681g ) : Right to receive the information contained in your file in a complete and clear manner, which allows me to identify the inaccuracies I now wish to correct.

Section 611 ( 15 U.S.C. 1681i ) : Obligation of credit reporting agencies to investigate any dispute of information submitted by a consumer within a reasonable time, usually 30 days, to ensure the accuracy of the data.

Section 605 ( 15 U.S.C. 1681c ) : Establishes the right to removal of inaccurate, outdated, or unverifiable information from credit reports, protecting consumers from inaccurate data.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel. The lender has also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX The information you provided is not XXXX date and does not meet XXXX XXXX XXXX for accuracy. I demand that you delete it now. My only name that you should have on file for me is XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. 

I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. 
It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. 
I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.
Consumer complaint received 2016-05-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC. (CO)

In the year 2000, my identity was stolen. Since then I have made several police reports and sent them to Sallie Mae to dispute my debt. Sallie Mae stated on my credit report that the loans were written off by the government but then they were bought by XXXX and now they are continuing to contact me and charge me late fees and keep these loans on my credit report. I have also done the necessary fraud packets and submitted police reports to them as well and they refuse to take the loans off my name and continue to contact me about this loan
Consumer complaint received 2024-10-23
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. (IL)

I have checked my credit report and discovered a few fraudulent accounts on it, XXXX XXXXL XXXX opened on XX/XX/XXXX, XXXX XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, and fraudulent hard 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data Line Credit Corp (CA)

I contacted the company, and explained i dont have any cars but XXXX in my name from 1999. He called me some names and kept yelling pay your bills. I told him about some fraud on my credit and some identity theft. But he said pay your debt. I stated sir this is not my car. Asked him to ssubmit something so i can take to dmv so he can take this off. He just sent a letter asking for money
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (TX)

I have a Macy 's credit card for which I automatically debit a checking account to pay my monthly bill. I purchased furniture on a 12 month interest free promotion at Macy 's, which promised to bill me in XXXX equal installments. The furniture amount was over {$1400.00}. On the first monthly payment, Macy 's debited my checking account the full amount of the charge rather than XXXX of the charge as should be done on a 12 month interest free promotion. I asked Macy 's representatives if my auto-pay would make the promotion not work, and I was told it was not a problem.
Consumer complaint received 2024-10-22
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)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

We purchased a townhouse in XX/XX/XXXX. I could not pay down-payment 20 % to avoid PMI but paid 15 %. After the purchase, we renovated Kitchen and bath and asked the mortgage company Chase to remove PMI by re-appraising the townhouse. They said we need to have 80 % or less of LTV or at least {$310000.00} for the appraisal. I submitted the request form, and later, one appraiser came home and evaluated it as {$320000.00} ; however, Chase did not cancel the PMI with a reason they did not give us, which was it requires LTV 75 %. All of sudden, they changed the requirement. Based on another mortgage professional, he told me Chase may violate the Homeonwer 's protection act. This is the reason I submit this.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2024-11-20
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. (PA)

This is a follow-up to my previous formal dispute regarding inaccurate information on my credit report. Despite my initial communication, I have yet to receive any confirmation of a reinvestigation into the disputed items. Furthermore, by continuing to report incorrect and unverifiable information on my credit profile, you are sharing non-public information that infringes upon my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).