davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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)

The company XXXX XXXX XXXX is reporting on my credit score but they are not the current note holder/issuer. The company was mailed a notice twice and could not provide the valid required information.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2018-02-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

We have been in contact with Navient very frequently since XX/XX/2017 to try and resolve our daughters student loan situation. Initially we understood the loans to be Federal loans. At some point Navient took over 5loans from XXXX XXXX, apparently now considered " private ''. As loan payments began approaching due date post graduation we have had conflicting information from Navients customer service as to how to navigate payment options. We were told Forebearance is the only option, now reaching the end of this option. It appears a benefit for Navient, forbearance. These loans need to be consolidated or payment due substantially decreased, we have no other options from Navient. Payments were being made while attending the University to " XXXX '' ( Navient? ) each month. Not sure where that money was applied, but it was deducted from our checking account each month. Any guidance in this matter would be appreciated.
Consumer complaint received 2024-07-06
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)

I am writing to dispute an incorrect payment report for my XXXX account ( account number partially provided : XXXX ), which was opened on XX/XX/XXXX. 

What Happened : The payment for XX/XX/XXXX was reported as missed. However, this payment was made on time and should not reflect as missed on my account. 

Details : Date of the Incident : XX/XX/XXXX Payment Amount : {$65.00} Actions Taken : I ensured that the payment of {$65.00} was made on time through my usual payment method. 
I have reviewed my bank statements, and the payment was indeed processed successfully. 
Upon noticing the error in the reported status of my payment, I contacted XXXX customer service to address the discrepancy but have not received a resolution. 

I request that this matter be investigated and the incorrect report of the missed payment be corrected. This error is affecting my credit report inaccurately and does not reflect my responsible payment history. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-05
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. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-06
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. (NY)

I have been affected by erroneous credit data, and I am once again requesting the removal of the items from my credit file resulting from mistaken credit reporting. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any such items no later than 4 business days after XX/XX/XXXX. I have already included this report in my previous correspondence and am including it again. Additionally, the information you provided on these items is UNKNOWN to me and has been REMOVED from other bureaus, leading me to question their accuracy : 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 -- TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This complaint serves to notify you that if the listed items are not REMOVED from my report, I will proceed with filing a lawsuit. My attorney has been informed of my intentions and is prepared to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ITEMS resulting from mistaken credit reporting. Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-07-05
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. (MI)

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by XXXX as accurate. Upon closer inspection, I have identified several inconsistencies that are grounds for deletion : 1. Incorrect Information : The account status listed on my credit report by XXXX contains incorrect information, including the date of last payment, the date opened, and the date last active. 
XXXX. Inconsistencies Across Credit Bureaus : The account status is inconsistent across the three major credit bureaus ( XXXX, Equifax, and XXXX ). 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the credit bureaus ( XXXX, XXXX, and Equifax ) to delete the incorrect and inconsistent account from my credit report. The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-06
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)

In accordance with 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  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's 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 items of information, other than records of conviction of crimes which antedates the report by more then 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Repeatedly reporting C/O every month. Every time the account updates the statute of limitations is extended, every update makes the account look newer than it is. Reaging the account is illegal. 
Additionally, the information reporting is inconsistent across bureaus.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (TX)

Someone applied for credit with XXXX XXXX bank / XXXX on XX/XX/23. I created a dispute with the credit reporting company Equifax on the same day. They send me a report stating the dispute was complete and the hard inquiry would stay since it was done even after I told them it was fraud and I had not pulled any credit. The reason this is so important to me and that it gets removed is because I am currently under XXXX XXXX XXXX  and should not pull credit or they courts may dismiss my filing before I complete it. Now Equifax is telling me I need to provide them a report and copies of my drivers license and copy of my ss card so they can review further. I don't understand why I have to do this if I already told them since I am under bankruptcy I shouldn't apply for any credit. Please help me with this matter.
Consumer complaint received 2024-07-06
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. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining. 
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-06
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. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-06
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or XXXX, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I bought a XXXX XXXX  in XXXX, brand new with a 20 year XXXX mile warranty. Car had catylic converter replaced twice. Knocking sound started in engine around late XXXX, XX/XX/XXXX. Tool car to dealership in XXXX Ga. I was told it had a recall in the engine. I was asked to fax my maintenance records. I did so. They refused to go or warranty, leaving me to drive the vehicle till engine stopped. The vin # XXXX My vehicle was included in a class action lawsuit for the engines in these vehicles. 

https : XXXX XXXX XXXX  actually owes me money, yet they place negative information to XXXX, XXXX & Equifax as a bad debt, collection, charge off with a almost {$8000.00} balance. I the consumer was frauded by XXXX XXXX and I'd like for this to be removed from my credit reports. I have screenshots of mail I was sent by XXXX XXXX involving my vehicle in this class action lawsuit. Please investigate. Veteran of the armed forces. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-05
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I always check my credit report before I go to bed but I saw an account that was inaccurately reported. I don't have any knowledge regarding why but I do know that I want It removed and blocked from my credit report.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to report fraudulent activity on my credit report involving several accounts and inquiries. Here is a detailed description of what happened : XXXX. Auto Loan : XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$10000.00} ) : This account was fraudulently opened without my authorization. 
XXXX. Student Loans : U.S. Dept of EDXXXX ( XXXX : XX/XX/XXXX, Balance : {$2200.00} and {$3600.00} ) : These accounts were fraudulently opened in my name without my consent. 
XXXX. Personal Loans : XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) : This account was opened fraudulently. 
XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XXXX : {$360.00} ) : This account was fraudulently opened in my name. 
XXXX. Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX  ( XX/XX/XXXX ) : Unauthorized inquiry. 

These accounts and inquiries were not initiated or authorized by me. I have already taken steps to dispute these fraudulent activities with the credit reporting agencies but have not yet received a resolution. I am requesting that these fraudulent items be investigated and removed from my credit report immediately. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-07-06
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. (CA)

I am writing to report fraudulent activity on my credit report involving several accounts and inquiries. Here is a detailed description of what happened : XXXX. Auto Loan : XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$10000.00} ) : This account was fraudulently opened without my authorization. 
XXXX. Student Loans : U.S. Dept of EDXXXX ( XXXX : XX/XX/XXXX, Balance : {$2200.00} and {$3600.00} ) : These accounts were fraudulently opened in my name without my consent. 
XXXX. Personal Loans : XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) : This account was opened fraudulently. 
XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XXXX : {$360.00} ) : This account was fraudulently opened in my name. 
XXXX. Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 

These accounts and inquiries were not initiated or authorized by me. I have already taken steps to dispute these fraudulent activities with the credit reporting agencies but have not yet received a resolution. I am requesting that these fraudulent items be investigated and removed from my credit report immediately. 

Thank you for your prompt attention to this serious matter.