davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (GA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-08-14
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-14
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)

Based On, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2024-08-14
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. (GA)

I check all three of my credit reports in XXXX and found that there had been some inquiries made on my credit report without my knowledge or authorization. I sent out dispute letters to all three credit bureaus and have not received a response back from them regarding these inquiries on my reports. I have requested Debt Validation Request and a verification under 15 U.S.C. 1692g ( FDCPA ). I have not received this information as if of today. 
I have also filed a report with the FTC and have enclosed that with this report.
Consumer complaint received 2024-08-14
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. (TX)

I have tried to fix this issue by reporting these XXXX inquiries showing on my XXXX XXXX You have caused me XXXX  and XXXX XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a XXXX of identity theft and I'm seeking XXXX if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my XXXX XXXX  and provide for my XXXX  due to these inaccurate and XXXX  items. I attached a letter I previously sent.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am contacting you to express serious concerns about several issues on my credit report. Upon reviewing it, I noticed multiple inaccuracies, including false account listings, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial security, and I urgently need your help to address them.
Consumer complaint received 2024-08-13
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)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with TRANSUNION 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 in ( MONTHS REPORTING LATE ) to be removed. 


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. 
TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Attempted to dispute an incorrect name on my credit report. Only shows up on the Transunion report. I have only ever been known as XXXX XXXX XXXX - no other aliases. 

Attempts to dispute with Transunion have been unsuccessful. I can not login to the website ( shows as unable to authenticate my identity ). Attempts to call Transunion as directed by the website result in me being transferred to a " chat '' service ( if the call doesn't disconnect first ). The chat agents then direct me to call ending up in a circle.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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)

This account is been taken as long as they feel like to send back all the information we needed to remove this both accounts have been reported on my credit for over two months and when I contacted the company trying to find out more information on why are they continuing to tell the credit company and tell them oh well we have this to verify that this account is and belongs to the person name XXXX XXXX we can not find out how the information they are saying is more then a copy of a police report that I know I sent in but now it's just comes up lost file I think something is up with the company so be for I file this hard lawsuit against them and I understand they want tlbe able to pay it. Can you look in to this. Company name address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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. (NY)

Dear CFPB, I am writing to dispute a charge-off account reported on my credit reports by TRANSUNION, violating the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information. 

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/year> Dispute : The charge-off account is inaccurate and violates the following FCRA sections : - 15 U.S.C. 1681e ( a ) - Information shall be accurate : The account status is inaccurate. 
- 15 U.S.C. 1681e ( b ) - Duty to correct and update information : The creditor failed to update the account status after payment/full satisfaction.

- 15 U.S.C. 1681i ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute, leading to continued reporting of inaccurate information.

- 15 U.S.C. 1681s-2 ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute.

- 15 U.S.C. 1681c ( a ) ( 1 ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted. 

Specifically, I dispute : - The account status as " charge-off '' has been remove from my credit report. 

Request : I request the CFPB to : 1. Investigate this matter and require the creditor to correct the inaccurate information.

2. Remove the charge-off account from my credit reports.

3. Remove any negative marks associated with the disputed account.

Supporting Documentation : I have attached copies of : - My credit reports showing the inaccurate information.

- Driver License - Social Security -Proof of Residence Please investigate and take appropriate action to correct the inaccuracies.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

These accounts was open fraudulent without my consent please remove them from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove all accounts from my credit report
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-08-14
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. (NY)

Dear CFPB, I am writing to dispute a charge-off account reported on my credit reports by TRANSUNION, violating the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information. 

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/year> Dispute : The charge-off account is inaccurate and violates the following FCRA sections : - 15 U.S.C. 1681e ( a ) - Information shall be accurate : The account status is inaccurate. 
- 15 U.S.C. 1681e ( b ) - Duty to correct and update information : The creditor failed to update the account status after payment/full satisfaction.

- 15 U.S.C. 1681i ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute, leading to continued reporting of inaccurate information.

- 15 U.S.C. 1681s-2 ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute.

- 15 U.S.C. 1681c ( a ) ( 1 ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted. 

Specifically, I dispute : - The account status as " charge-off '' has been remove from my credit report. 

Request : I request the CFPB to : 1. Investigate this matter and require the creditor to correct the inaccurate information.

2. Remove the charge-off account from my credit reports.

3. Remove any negative marks associated with the disputed account. 

Supporting Documentation : I have attached copies of : - My credit reports showing the inaccurate information. 
- Driver License - Social Security -Proof of Residence Please investigate and take appropriate action to correct the inaccuracies.
Consumer complaint received 2023-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IA)

In XX/XX/2022 I submitted my TEPSLF application with ECF forms. It has been almost a complete 365 days and I still have not received any counts on my application for my direct loans. I received a letter in XX/XX/2022 that my application and forms were received. Since XX/XX/2022 I have spent on average 5 hours a night, once a week, calling Mohela. A month ago I spent over 5 hours a day daily for a week during a vacation week. Often it would take several hours just to wait to speak with someone. My child has seen me cry tears frequently in dealing with this extremely stressful situation as I have to call during my time with him after long clinic days. Despite it being stated that processing and counts are to be given by Mohela in 90 days from submission of the application, I have not received a count still. I have been told that there was a request by Mohela to transfer my loans from XXXX in XXXX, XXXX, XXXX, and again in XXXX. However in XXXX I found out from a supervisor of supervisors, the third one I had finally spoken to, that actually Mohela had never actually sent the requests outside of Mohela, so XXXX had never been asked to transfer the loans. Now the loans have been transferred about 3 weeks ago, but still there are no counts. I am beyond the 120 payment count, by my count and my advisors counts above 150. 

Thus I am requesting help from CFPB to have Mohela provide my counts in the next 10 days, and finalize what Mohela needs to do for my loan forgiveness in the next 20 days. 

I am a child and adolescent psychiatrist, in the midst of a national emergency in childrens mental health, I worked through the pandemic seeing children on XXXX. I am a first generation physician. I have dedicated myself to serving the underserved pediatric population of our country, and our lawmakers have set up laws to help pay off the rest of my loans. My private loan servicer has not upheld its responsibility to handle my TEPSLF application in a professional timely fashion. Instead of 90 days, it has been almost 365 days.
Consumer complaint received 2024-08-14
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 am contacting you about the compromising of my XXXX XXXX XXXX  I am XXXX XXXX of Identity Theft, someone accessed my XXXX XXXX and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my XXXX XXXX, and send me an updated copy of my XXXX XXXX The following items do not belong to me and is a result of fraud that I did NOT authorize : XXXX. The following account is NOT MINE : XXXX XXXX Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX Date opened : XX/XX/XXXX Please remove it from my XXXX XXXX. XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX. Please remove it from my XXXX XXXX. XXXX. XXXX  XXXX, XXXX opened : XX/XX/XXXX, account # XXXX. Please remove it from my XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my XXXX XXXX in the past XXXX months. Please also update the address on my consumer reports and name. My ONLY ADDRESS AND NAME that should be showing on my reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX and my only name is XXXX XXXX.
Consumer complaint received 2024-08-12
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. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-14
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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to express my deep concern regarding the negative impact of your recent consolidation process on my credit report. Specifically, Account XXXX : Dept of ED  : XXXX, XXXX, XXXX, XXXX. 

XXXX : XXXX, XXXX, XXXX. 

XXXX : XXXX, XXXX, XXXX discrepancies. 

These inaccuracies have significantly damaged my XXXX XXXX and limited my financial opportunities. I believe this is a violation of my rights under the Fair Credit Reporting Act. 
I have attempted to resolve this issue directly with XXXX, but to no avail. I kindly request that you take immediate action to correct these errors and restore my credit report to its accurate state. 
I would appreciate a timely response and resolution to this matter. If the issue is not resolved promptly, I will be forced to escalate the matter to the Consumer Financial Protection Bureau and other relevant authorities. 
Thank you for your immediate attention to this urgent matter.