davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (SC)

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have a permissible purpose. I also attached evidence. 

The following list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The inquiries listed have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2022-02-14
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 mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from Transunion telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the BIG XXXX  don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the Big XXXX accountable for their sloppy performance.
Consumer complaint received 2016-09-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I have sent 3 certified letters requesting validation showing my signature or contractual obligation to them and they ca n't seem to do that so I requested they remove this negative from my credit report and they refuse. This bill shows a date from 2010??
Consumer complaint received 2024-08-17
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. (NJ)

I am writing to file a formal complaint regarding unauthorized inquiries made on my credit report. I have noticed that there are inquiries listed on my report that I did not authorize, and I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Details of Unauthorized Inquiries : Inquiry Date ( s ) : [ List the date ( s ) of the unauthorized inquiry/inquiries ] Company/Organization : [ List the name of the company or organization that made the unauthorized inquiry/inquiries ] Credit Reporting Agency : [ Specify the credit reporting agency/ies ( XXXX, XXXX, TransUnion ) where the inquiries are listed ] Legal Background : Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain conditions, such as with the consumer 's written consent or for purposes directly authorized by the consumer. I did not provide my consent for these inquiries, and they do not appear to meet any of the criteria set forth in the law. 

Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized inquiries are removed from my credit report. Additionally, I would like to request that any entity responsible for these unauthorized inquiries be held accountable for their actions, including any applicable penalties under the law. 

Please keep me informed of the progress of your investigation and any actions taken. I am also attaching a copy of my credit report highlighting the unauthorized inquiries for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-18
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. (WI)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX  Account Name : XXXX  : Account Number : XXXX 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 2015-04-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I took out a loan with XXXX who then sold to Navient so I can pay going to school in XXXX University XXXX, NY. I tried asking Navient to help as I am not working right now and lower monthly payment to where someone else can help me pay for it and they said no. There is nothing they can go and I have to pay 480.00 a month and thats it. Combined income for XXXX people is XXXX how am I suppose to pay for student loans. They say federal government are the ones that help out with the loans if you make lower than a certain about not private loans but yet you ca n't file bankruptcy with private loans if they are considered to be like taking out a private loan from the bank. Bank loans you can claim in bankruptcy then why not private student loans. XXXX and Navient are the worse companies to deal with they provide no help with private loans what so ever!!! I guess thats why americans have horrible credit scores wo n't even give people a chance to advance with the means they have.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for XXXX. XXXX has updated and conducted investigations which they have already updated. Unfortunately XXXX and TransUnion have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported Personal Information below needing to be immediately Removed & Deleted. 
TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (NJ)

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 15 USC 1637 ( b ) 15 USC 81057 this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC Code 1666b billing error never was late please update account to paid on time Please update account to 100 % accurate.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX AND XXXX Credit Bureaus are reporting inaccurate information on MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-08-17
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. (IL)

I have been monitoring my credit file in efforts to purchase a new home. I have been advised I have multiple credit inquires and was denied underwriting. Due to the breach of information by Transunion my social security number was compromised. Through my credit monitoring app I have been notified my personal information is on the XXXXXXXX XXXX I have several credit inquiries from XXXX I have not done. Transunion breach has effect my personal credit file and have all credit inquires in XXXX and XXXX done by other and not myself. I want Transunion to remove these inquiries and confirm to me this has been completed. This has affected my ability to purchase a home.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Source Receivables Management LLC (TN)

I was not aware at the time I took this credit card out that it had an annual fee. 
I used this card one time with a {XXXX charge then get statement showing the annual XXXX} fee plus my {$15.00} fee I called them told them I was cancelling the card an I would pay XXXX which I did but I refused to pay the outrageous annual charge an fees that are now up to XXXX  so now some other place has bought out their debt collection. 

I still refuse to pay these outrageous fees an charges they have applied, None of my other cards carry an annual fee this has been crazy to chg this much
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (MI)

Please Remove all Fraudulent accounts and inquiries as i have no knowledge of any of these accounts they are being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-08-18
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. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-18
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. (SC)

I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-17
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. (GA)

To whom it may concern, it has come to my attention that there has been a data breach XX/XX/year> where my personal information has been compromised. This stems from the XXXX XXXX case XXXX XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only is this a direct violation of the XXXX ( XXXX XXXX XXXX XXXX ). According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including contact number, confidentiality, accuracy, etc.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : XXXX XXXX -bal {$800.00}, XXXX - bal {$1600.00} XXXX - bal {$1200.00} XXXX - bal - {$0.00}
Consumer complaint received 2024-08-18
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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-18
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/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
Consumer complaint received 2024-08-18
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. (OH)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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