davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

To Whom It XXXX Concern, I am writing to formally request the removal of outdated charge-off accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), Sections XXXX and XXXX. According to FCRA guidelines, negative information, such as charge-offs, should not be reported after XXXX years from the date of the first delinquency. 
I recently reviewed my credit report and noticed that several charge-off accounts are still being reported despite being over XXXX years old. The details of these accounts are as follows : Account Name : XXXX XXXX XXXXXXXX XXXX  {$9300.00} Date of First Delinquency : XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX  {$2500.00} Date of First Deliquency XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$3000.00} Date of First Deliquency XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date of First Deliquency XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of First Deliquency XX/XX/XXXX XXXXXXXX XXXX  XXXXXXXX XXXX {$11000.00} Date of First Deliquency XX/XX/XXXX
Consumer complaint received 2024-07-21
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. (OK)

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 2024-07-21
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-21
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. (MN)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-21
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 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX reported my mortgage account as delinquent. Transunion notified me through email that an account was delinquent and they decreased my credit score. I logged into my Transunion account and discovered that XXXX XXXX XXXX falsely reported my account as delinquent, and to make the matter worse, XXXX, XXXX. last reported my mortgage as paid on time in XX/XX/XXXX. Where are my on-time XXXX, XXXX, and XX/XX/XXXX electronic online bill debit ACH payments from my financial institution? I logged into XXXX to see if the same false report was in their system, and XXXX system also showed my mortgage account as delinquent. 

Not only do I want my credit report corrected. I want my stolen credit score restored and the years of damage to my credit score restored as a on-time paying homeowner since XXXX XXXX XXXX  acquired my mortgage from XXXX XXXXXXXX XXXX on or about XXXX XXXX. I am missing years of good credit payment history. My excellent payment history that XXXX XXXX XXXX reported is still on my credit report up until XXXX XXXX. After that, there is a large gap of missing excellent payment reports made on my mortgage by XXXX XXXX XXXX, XXXX. I requested my payment history to be fully reported going back to XXXX to match where XXXX XXXXXXXX XXXXXXXX  last reported up until the mortgage transfer. My request has been denied verbally and obviously on my credit report to this day.
Consumer complaint received 2024-07-21
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)

Dear Consumer Financial Protection Bureau : I am contacting you regarding my the credit reporting bureaus XXXX, Transunion and XXXX regarding my credit reports. I unfortunately, learned about several accounts that is on my credit file that I have no idea of. I have NEVER opened any of the mentioned accounts and I was a victim of ID theft and asking that they BLOCK/DELETE and remove the accounts to discontinue tarnishing my credit. I have included my FTC Report listing the accounts and account numbers. I HAVE REQUESTED EACH DATA FURNISHER TO PROVIDE MY ORIGINAL APPLICATION AND I RECEIVED NO RESPONSE. 

XXXX XXXX XXXX XXXX AND HAVE BEEN OVER 7 YEARS PLEASE DELETE XXXX {$330.00} XXXX XXXX XXXX ID THEFT # XXXX {$990.00} XXXX ID THEFT {$2600.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$930.00} # XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I WOULD LIKE THEM TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLY PLEASE AND THANK YOU.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Loqbox US Inc (FL)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Loqbox Finance LLC XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-03-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance to the FCRA for the account pertaining to XXXX XXXX XXXX XXXX XXXX ) has violated my rights! I have no knowledge of these accounts, as I have asked for competent evidence bearing my signature showing that I have a collection debt with XXXX XXXX XXXX, I have waited 60 days and I still have no received a copy of a contract with their company. 

My rights have also been violated from this company for this alleged debt 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Also FLORIDA REQUIRES a collection agency to be licensed in Florida in order to collect a debt and XXXX XXXX XXXX XXXX XXXX ) is NOT licensed in this state!
Consumer complaint received 2024-07-20
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. (CA)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX Acc XXXX XXXX XX/XX/XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX  Acc XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX 
XXXX XX/XX/XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX XXXX XXXX. 
Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX  XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX Please removed show as closed.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-20
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. (CA)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2018-11-21
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. (GA)

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon review of my credit report I discovered some items that were inaccurate as a result of either an oversight or your willful non compliance with the FCRA laws. 

In re Reed, 492 B.R. 261, 27172 ( Bankr. E.D. Tenn. 2013 ) they ruled if a financial institution has filed a Form 1099C with the Internal Revenue Service, cancellation ordischarge of a debt has, in fact, occurred. 

They stated it was inequitable to require a debtor to claim cancellation of debt income as gross income while still allowing the creditor to then collect it from the debt and that issuance of a 1099C, when coupled with payment of income tax, canceled an otherwise collectable debt. 

This is also showing a a balance owed on a cancelled debt and also this has been classified as income not debt so these inaccuracies violate15 USC 1681e ( b ) for maximum accuracy reporting You are therefore violating the 15 USC 1681eb for maximum accuracy by inaccurately reporting INCOME as a debt .ALSO Income is prohibited from consumer reports 1.XXXX XXXX  {$3500.00} 2. XXXX XXXX XXXX If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may NOT subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ) 3. ) - [ ] Promptly modify or delete the information, or block its reporting add statement such as " customer has disputed the validity of this item Section 623 ( b ) ( 1 ] ( E ). As well as the 15 usc 1681s-2 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. You did not enter this notice of dispute ; you received my dispute on XXXX XXXX and didnt enter dispute remarks for XXXX XXXX and because you didn't enter it, your company is in violation. NO STATEMENT was added SEE ATTACHMENTS SHOWING NO STATEMENT VIOLATION. 
1.. XXXX XXXX XXXX In accordance with 15 U.S. Code 1681s-2 ( a ) ( 3 ) : You did not enter this notice of dispute ; you had 30 days from date you received my 1st dispute and because you didn't enter it, your company is in violation and I demand this be deleted immediately ALL OTHER CRA 'S HAVE COMPLIED WITH THE LAW AND REMOVED THESE VIOLATIONS SEE ATTACHMENTS 1099 C ID
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

According to the Dept. of Ed., based on the date I applied for SAVE my application ought to have been processed by now, and I should have a $ XXXX. payment. Aidvantage placed my account on administrative forbearance until XX/XX/XXXX to allow them time to process my IDR application, which Aidvantage claimed would be processed between XXXX XXXX, and a borrower incentive program suspension notice, meaning not only is interest accruing, but it's a much higher rate than before the forbearance in part because I lose the little interest reduction I got for using Auto Pay. I tried to make a manual payment to at least cover some of the interest, but instead get a 403 error. Since I started in XXXX I haven't been able to get in contract with an agent on phone or Live Chat ( both are equally as awful -- hours of being on hold only to be hung up/disconnected, and when I'm given an option for a call back I never get one ), and it takes anywhere between one and three weeks to get a response via email, which is just a blanket forum reply that doesn't answer my original concern. As of today, XX/XX/ XXXX XXXX I've been on the phone for over three hours only to have just been hung up on again. Are these loan providers just using this forbearance to keep interests accruing for all us borrowers that should otherwise have a $ XXXX. payment?
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX of this year I checked my credit and noticed several unauthorized and incorrect items. On XX/XX/year> I wrote to the bureaus to dispute the items and have them removed. None of these people had a permissible purpose or consent to obtain my credit reports. To date, this credit bureau has not responded to my letter, nor has it taken any steps to rectify the errors and damages done to my credit. They are willfully disregarding my dispute. They are willfully reporting inaccurate information.
Consumer complaint received 2024-07-20
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. (NC)

the Fair Credit Reporting Act, 15 U.S.C. 1681 ( g ) I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.
Consumer complaint received 2024-07-20
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.