davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (CA)

Hard Inquiries
XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX
Finance/Personal XXXX XXXX
XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non
specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non       XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX
Balance
XXXX
Highest Balance XXXX
Opened XXXX XXXX XXXX XXXX XXXX           EQUIFAX
Original Creditor
Name XXXX XXXX XXXX XXXX
Closed No Info XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX- INQUIRY
Closed

XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX  Reported: XXXX XXXX XXXX
XXXX- XXXX  EQUIFAX

XXXX XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX 
Bankcard
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

IDR repayment change was submitted XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter stating my account has been placed in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. There is no information in this letter on whether or not PSLF " payments '' I could be making will be counted. It does state that interest will accrue while they take THREE months to review my application. I've called and waited on hold 3 times today for over an hour each time and haven't been able to reach anyone to ask for an explanation. 

Additionally, my loans were consolidated in XX/XX/XXXX and my PSLF payment counts were reset to zero and have not been updated. It's now been a YEAR and any request for information results in the same response : " The currently displayed PSLF and TEPSLF Payment Counts, specifically those for your PSLF and TEPSLF Eligible and Qualifying Payments, may not include all eligible and qualifying payments that you might be entitled to as a result of the Limited PSLF Waiver. We are in the process of updating this information and ask that you check back periodically for updates. Your continued patience during this process is appreciated. ''
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (AR)

My credit report contains inaccuracies under 15 USC 1681c-2, with hard inquiries that I didnt authorize. Please take action to remove these unauthorized inquiries. I appreciate it!
Consumer complaint received 2024-10-15
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)

Back on XX/XX/year> I sent in a letter asking the company to verify multiple Items listed on my credit report which were not verified. This is my second time reaching out and I want to do it through you guys here at the CFPB to ensure everything is handled properly. I will list two documents. The first document will be the initial letter that I sent back on XX/XX/XXXX and the second document is my follow-up letter to not getting my accounts verified.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a private loan with XXXX XXXX XXXX XXXX. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XXXX XXXX currently having a total past-due balance of {$720.00}. 

I was not informed that this type of loan was not covered under the Biden-Harris Administrations Student Debt Relief Plan. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a full-time student and am currently submitting a deferment document to the lender. I called the current lender XXXX requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the Biden-Harris Administrations Student Debt Relief Plan, and yet those original documents can't be provided to me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Consumer complaint received 2024-10-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX TRANS UNION LLC . CONSUMER DISPUTE CENTER XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS XXXX XXXX XXXX ACCOUNT # XXXX OPEN : XX/XX/XXXX INQUIRES : XXXX  XXXX OPEN : XXXX XXXX, 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. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action on this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures Proof of identity XXXX  documentation.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (GA)

After reviewing my credit report, I have noticed hard inquires I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquires. Attached is an FTC report indicating all the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-09-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I am owed {$990.00} for a vehicle we have purchased and had to send back because nobody had a tittle for it. It was payed in full and we are owed the remaining balance they sent a check with me and my fathers name on it and we could not cash it or deposit the check so I sent it back to them and they said they would not send another one and we could not use it as a payment for the vehicle we have now. I have tried numerous times to have them use it for the payments and they have refused to do so.
Consumer complaint received 2024-10-17
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. (PA)

This morning, I was shocked to see inaccurate accounts appear on my credit report, and I have no idea why they are there. I check my report regularly, but this time, these discrepancies came out of nowhere. I even refreshed the page, hoping it was just a glitch, but nothing changed. The inaccuracies stayed. I'm now asking for a thorough review of the documents I've provided so that I can finally stop worrying about this.
Consumer complaint received 2024-10-17
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)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

In XXXX  Iowa Student Loan ( Aspire ) issued me a 1099c. The identifiable event code was blank. After many months, ISL finally sent a SECOND 1099c it listed the identifiable event as XXXX XXXX  - a discharge of indebtedness under agreement between the creditor and debtor. To be able to appropriately address tax liability I have requested a copy of the agreement that triggered this event. ISL/Aspire refuses to provide such documentation and also refuses to update the 1099c to correct the identifiable event because no settlement agreement exists. After filing a prior CFPB complaint about this issue, Aspire provided the following response : XXXX XXXX signed a promissory note and agreed to the terms as outlined in the credit agreement when she applied for the private education loans. Copies of the signed promissory notes and credit agreements were sent to XXXX XXXX in XX/XX/2018 notifying her that the balance on the loans had been written off, but we are resending them directly to her again along with a copy of this response. The credit agreements were issued under Iowa law, and they clearly identify the provisions for default. Under Iowa law, the statute of limitations for collecting on unpaid debt that stems from a written contract is 10 years. Because payments were not received from XXXX XXXX in that time period, the debt went out of statute. As a result, Aspire Servicing Center wrote off the loans on XX/XX/2018. At that time, the IRS required the issuance of the 1099-C. The 1099-C was provided to both the IRS and XXXX XXXX for the XXXX  tax reporting season. Box 4 contained student loan as the debt description and provided the date of the identifiable event in box 1. If XXXX XXXX has additional questions, she should contact Aspire Servicing Center at ( XXXX ) XXXX between XXXX XXXX and XXXX XXXX  ( Central time ) Monday through Friday. 


As you can see the XXXX  1099c issued does not list the CORRECT indefinable event code that aligns with Aspire 's response to my prior complaint. IF what they are stating is accurate and the 1099c was issued because the debt went out of statue than a CORRECT XXXX  1099c needs to be issued to show an identifiable event code of C ( Statute of Limitations ). As a result, ISL/Aspire is purposefully and willfully damaging my credit and causing severe tax consequence as I have had to set up a payment plan with the IRS until this is resolved.
Consumer complaint received 2022-10-27
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. (FL)

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. 

Personal Information XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX FL XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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. 

Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-09-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. It is my understanding that you are required to verify these items with the corresponding creditor. Please eliminate any information that the creditor is unable to validate. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. According to the provisions of the act, there should be no charge for this updated report. I also kindly ask that you notify anyone who has received my credit report in the past six months of any corrections made.

Thank you for your attention and assistance in this matter. 
Sincerely, _____________________________________ XXXX XXXX
Consumer complaint received 2024-09-06
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-28
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)

RE : XXXX  Block Request To Whom It May Concern, 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  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 2024-10-17
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. (MD)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (VA)

UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This Debt reflects on my credit reports with Trans Union LLC, and XXXX credit bureaus. Its reflects as Collection. Charged Off. In the submission of this complaint, Per the Fair Credit Reporting Act 15 USC 1681, and the Fair Debt Collections Practice Act 15 USC 1692g. 

I request that collection agency send me debt validation letter. Alone with evidence of Assignment contract Agreement letter, and Purchase Agreement letter. As, sdtated on my credit files if the debt was showing collection/charged off or discharged. Then the debt is then radicated thus by law is not collectable by law if discharged. 

And, if it was charged off/ discharged I then request a copy of the 1099-C letter. As verification to show the IRS this debt as income to be reported to the Internal Revenue Service. 
I request that the accounts be deleted of removed, from all my credit reports Per Federal Law.. 

I am filing this report as a copy of my debt validation letter to the collection agency. And are creditor whom charged off or discharged the debt with proper documents and that a cease and desist of collections of this dent stop.