davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
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. (AL)

I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and inquiries listed in my credit report as a victim of identity theft and data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide protection for identity theft victims. 
I have identified the following accounts and inquiries that are not mine and were fraudulently opened or conducted without my authorization : Fraudulent Accounts 1. XXXX XXXX - XXXX - XX/XX/XXXX - {$220.00} 2. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} 3. XXXX  - XXXX - XX/XX/XXXX - {$370.00} 4. XXXX  - XXXX - XX/XX/XXXX - {$160.00} 5. XXXX  - XXXX - XX/XX/XXXX - {$950.00} 6. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$950.00} 7. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} 8. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} 9. XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} 10. XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} 11. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} 12. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} 13. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX  - XX/XX/XXXX 7. XXXX  - XX/XX/XXXX 8. XXXX  - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX - XX/XX/XXXX 13. XXXX - XX/XX/XXXX 14. XXXX - XX/XX/XXXX 15. XXXX - XX/XX/XXXX 16. XXXX - XX/XX/XXXX
Consumer complaint received 2024-08-26
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATION/XXXX XXXX.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

To whom It may concern OnXX/XX/XXXX, and XX/XX/XXXX, I sent a certified letter to XXXX and Experian informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. OnXX/XX/XXXX, I received two generic letters from XXXX stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from XXXX. I still not have received a response from my first letter from Experian and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

Back in late XXXX of XXXX, I noticed an auto loan on my credit report. This is not mine, nor do I own a car with financing from XXXX XXXX. I always buy my vehicles with cash, and own them outright. THIS IS NOT MINE. 
I have reached out to XXXX 5 times now, and each time I receive the attached form letter back in the mail. 
I am at my wits end with trying to resolve this. 
Any suggestions on how I can get this removed from my personal credit reports?
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. (GA)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed on TransUnion, XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency maya make any consumer report containing any if 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 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

I applied to switch from one income-based repayment plan to another ( IBR to REPAYE ). I applied to switch to REPAYE as soon as it was made available in XXXX XXXX. My application was not processed for months. It took 6 months for my application to be approved. FedLoan Servicing said there was a backlog because many other customers applied for the new REPAYE program. However, the representatives noted that my wait time for processing was excessive. I have been in Administrative Forbearance during this time, while my interest is accruing on my loans. I have had to make over 20 phone calls to FedLoan Servicing from XXXX XXXX to XXXX XXXX to get switched over to the new REPAYE repayment plan.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

I have checked my credit through XXXX XXXX to see why I been denied on purchasing a tv through credit and saw that I have two credit report through synchrony bank which o do n't recognize or know about and I been to trying to dispute it from my record.
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
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. (NY)

Incorrect information on my credit report and I would like it to be corrected so my credit can reflect correctly. 
Hard inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX Hard inquires-XXXX  ( Finance ) -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bank ) -XXXX  ( Bank ) -XXXX  ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries on Credit Report Dear TransUnion Consumer Solutions XXXX XXXX am writing to formally dispute unauthorized credit inquiries listed on my credit report. 

XXXX. ) On XX/XX/XXXX, two inquiries were made by XXXX XXXX XXXX XXXX and XXXX that I did not authorize. 

XXXX. ) On XX/XX/XXXX, XXXX inquiries were made by XXXX XXXX and XXXX XXXX XXXX that I did not authorize. 

XXXX. ) On XX/XX/XXXX, XXXX inquiry was made by XXXX XXXX XXXX that I did not authorize. 

XXXX. ) On XX/XX/XXXX, XXXX inquiry was made by XXXX XXXX that I did not authorize. 

Federal Laws and Codes Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate information on my credit report, and you, as a consumer reporting agency, are required to verify the legitimacy of any disputed information. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a consumer report may be accessed. Since I did not authorize these inquiries, they are a violation of this section. Furthermore, under 15 U.S.C. 1681i, TransUnion must conduct a reasonable investigation to determine whether the disputed information is accurate and, if not, promptly delete it. 

Request for Immediate Action In accordance with these federal and state laws, I am requesting that these inquiries be removed from my credit report immediately. I have attached Federal Trade Commission ( FTC ) reports for each inquiry, which clearly state that I did not authorize these companies to access my credit information. I have also included a copy of my ID for verification purposes. 

As per the FCRA and applicable state laws, TransUnion is required to verify that these inquiries were authorized by me. If you can not provide plausible proof that I authorized these inquiries, they must be removed from my credit report without delay. Failure to comply with these laws may result in further action being taken, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state authorities.

I trust that this matter will be resolved promptly. Please confirm receipt of this dispute and keep me informed of the actions taken. I expect a resolution within the 30 days as required by 15 U.S.C. 1681i. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Attachments : - FTC Report for XXXX XXXX XXXX XXXX  - FTC Report for XXXX - FTC Report for XXXX XXXX XXXX FTC Report for XXXX XXXX XXXX - FTC Report for XXXX XXXX Services - FTC Report for XXXX XXXX - XXXX of ID
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SUNTRUST BANKS, INC. (GA)

In XXXX 2016 I made an over payment of {$25.00} on my Corporate credit card. Sense then ( XX/XX/XXXX ) I retired and surrendered my card and the account was closed. On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I called SunStrust requesting a refund, each time I confirmed my mailing address and was told the check would be sent. Twice I was told the request was sent to the wrong dept. or the check was mailed to the wrong address. The last time I was told the check was mail on XXXX XXXX and I would received it within 10 working days. I do n't want call them any more 5 time should have been enough.
Consumer complaint received 2024-10-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 16 U.S. Code 1681i ( 5 ) treatment
of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency XXXX  ) 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. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX, Account # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX from XXXX XXXX XXXX keeps calling me, my husband, my husband 's ex-wife and my place of employment to collect a debt from Old Navy that I went through credit consolidation for in 2008.
Consumer complaint received 2015-04-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Vision Financial Corp. (WA)

I received a phone call. The woman on the other line asked to speak to XXXX XXXX, I confirmed that 's me. She immediately requested that I verify my mailing address. I then asked her who she was calling from. She stated " Vision Financial '' I asked why she was calling, and she hung up on me. Upon conducting further research, I found consumer reviews which led me to believe that Vision Financial is a collection agency well-known for failure to provide information about the debt, attempting to collect expired debts, and using strong-arm tactics to collect.
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. (VA)

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 2015-12-11
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

We currently have a conventional home loan with CHASE bank. My wife is a retired XXXX XXXX veteran with a XXXX and I am also retired from the XXXX XXXX, we both get retirement pensions. So we applied for a VA home loan with my wife being the primary applicant thru CHASE to lower our payments. Both our credit ratings our over XXXX. We owe {$170000.00} on a house appraised at {$280000.00}. The application was completed XX/XX/2015 and the loan is still being processed ( over 90 days now ) we have submitted all information requested. We are being told that its still in underwriting. They keep requesting new information as we fulfill previous requests. We feel as though this loan process will never be completed they just keep requesting new information. We suspect that they want us to quit the loan process so they will not have to provide a reason for declining our loan ; because there is no reason other than keeping us on a CHASE loan with higher finance rates. I would 've quit the process with CHASE but we already have an appraisal completed and termite inspection with a locked in rate of 3.75 and interest rates have risen since the lock in. Any assistance that can be provided would be greatly appreciated. Thank you.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Had me waiting for hours just to get a direct deposit form which i did not get they had employees walking around doing nothing not even XXXX offered help this is a disgrace if they ca n't operate this branch the right way might as well close it down!! I will never go back and will for sure let people know how horrible they are. Worst experience of my life i hate this bank I 'll stick to XXXX!
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX DEBT COLLECTOR HAS SENT ME NUMEROUS EMAILS DATED XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> REQUESTING A DEBT TO BE PAID. I REQUESTED AN ACCOUNT NUMBER AND PURCHASE AGREEMENT ON XX/XX/year> FOR THE AMOUNT THAT XXXX IS PROJECTING THAT I OWE, WHICH IS {$880.00}. THEY HAVE NOT EMAILED OR MAILED AND AGREEMENT AFTER IT WAS REQUESTED. I SUBMITTED A LETTER TO THE COLLECTION AGENCY ON XXXXXX/XX/year> AND HAVE NOT RECEIVED A RESPONSE SINCE.
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (FL)

Please remove fraudulently inaccurate inquires. 

The following inquires accounts are an error below Business Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : All Banks Business Name : XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Business type : XXXXXXXX XXXX XXXX XXXXXXXX. 

Business Name : XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Business type : All Banks Business Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Business type : Banks and XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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. (TX)

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

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 XXXXXXXX - BALANCE {$4600.00} DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$280.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XXXX, XXXX Account Name : XXXX, XXXX XXXX XXXXXXXX # XXXX - BALANCE {$890.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Kashia Services (FL)

I took out a loan with Inbox loans awhile back and it 's getting harder for me to pay back the loan on a weekly basis I have XXXX kids and a wife we are barely makIng it and struggling to buy food for home, we do n't meet the criteria for food stamps according to them I make too much ( they base it off of my gross as to which I do n't bring that home ) for XXXX loan we did n't think we would get hit with XXXX interest. As we speak my rent is due and car Payment and looks like we will in the negative when we do these not to mention next week inbox loans will be deducting there XXXX again. Also I ca n't access my schedule payments list or log into inbox loans to see my agreement either. It asks for email and last 4 of social security number and I keep entering it but not see either the contract nor my payment deduction schedule. I used my wife 's email as I do n't remember my log in crediantals