davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Identity and information was stolen back in XXXX since them many accounts have been open in the my name without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
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. (GA)

My response is to address an issue regarding the reporting of my account associated with the XXXX XXXX XXXX XXXX, which is currently listed as " Verified as Reported '' on my credit report. I am concerned that this reporting does not fully comply with the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to reference the following provision of the FCRA : 15 U.S. Code 1681b - Permissible Purpose of Consumer Reports : This section outlines the permissible purposes for which a consumer report may be obtained. It is crucial that all information included in a consumer report is accurate and obtained in compliance with these permissible purposes. It has come to my attention that the details provided by the XXXX XXXX XXXX XXXX  may not fully align with these requirements. Additionally, it is important to note that courts typically do not provide detailed information directly to profit-driven reporting agencies. The information reported by the court should be limited to factual judgments and rulings rather than any additional or potentially misleading details. Furthermore, I did not request or authorize the inclusion of a description of non-monetary relief related to this account. Under the FCRA, all information reported should be accurate and relevant to the consumers credit history. The inclusion of non-monetary relief details that were not requested or discussed with me appears to be inconsistent with these requirements. In light of these concerns, I request the following actions : Verification of Accuracy : Ensure that it aligns with the requirements outlined in 15 U.S. Code 1681b, and that all reported details are accurate and relevant. Correction of Errors : If inaccuracies or discrepancies are identified in the reported information, including the unwarranted description of non-monetary relief, please promptly correct these errors and provide an updated credit report reflecting the accurate information. Clarification of Source : Provide clarification on how the information from the XXXX XXXX XXXX XXXX  was obtained and reported. Ensure that the reporting process adheres to FCRA guidelines, especially regarding the permissible purposes for obtaining and reporting consumer information. I appreciate your prompt attention to this matter. Please inform me if any additional information is required from my end to facilitate this process within 30 days. I look forward to your response and the resolution of these issues. Thank you for your assistance.
Consumer complaint received 2024-09-15
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)

recently checking my credit report i noticed that l 've been a victim of identity theft and found numerous credit inquiries l have no knowledge of here are the inquiries that l 've found XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX XX/XX/2024, please remove these fraudulent inquiries from my credit l also attached my identity theft report as well.
Consumer complaint received 2024-07-31
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. (FL)

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late. 

XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX 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 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On my credit report there is an account called XXXX and this account is a collections account. According to conserve they are seeking to collect money that I owe the XXXX XXXX XXXX XXXX. I have disputed this as I never attended the XXXX XXXX XXXX XXXX or took a course or did assignments there. I asked the University to provide me with proof that I did any assignments there and they were unable to provide me with documentation showing that I did an course/s there. I then filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer.

2 ) A copy of an identity theft report ( such as an affidavit ).

3 ) The identification of such information by the consumer.

4 ) A statement by the consumer that the information is not related to any transaction of the consumer.

The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ).

Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report.

I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete Conserve from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX from my credit report immediately.
Consumer complaint received 2024-09-15
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-31
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)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-15
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. (GA)

Questioned the reported items. 

XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  Requested statement & notices from 1637 B proof. Reported payment failure to be delivered 21 days or less before the payment due date. Without this presented documentation the specific conditions of the reported late payment is inaccurate & I demand it be removed. 

Equal credit opportunity act ; 15 U.S.C. 1637 ( B ) 15 U.S. Code 1666b 15 USC 1681n :
Consumer complaint received 2024-09-15
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. (MD)

These 6 items that are negatively reporting on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Consumer complaint received 2024-09-15
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. (NV)

US DEPT OF EDUCATION-CFPB 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 account number XXXX US Department of education. 

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. My transaction history is not public information and under terms and conditions it clearly states they will not disclose any transaction information to a third party..Please remove all transactional history or any financial details listed therein my credit report.
Consumer complaint received 2024-09-15
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. (FL)

I recently disputed this account in XXXX of XXXX  and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

XXXX XXXX with account # XXXX Delete this erroneous account IMMEDIATELY! 
Collection account from XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX Installment account with account # XXXX - I have never been late or missed payments on this account! Provide me provide me with records of all payments made or missed on this account.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

All the Credit Bureaus dropped My credit score by over 120 points and didnt give me a full explanation on why, after Ive settled the account that has been the problem, no thanks to anyone because this account was originally fraudulent but everyone wanted to play dispute games, and nothing got resolved, until I received the letter of settlement and i figured this was my only way out, they didnt update the account as paid or settled.NONE Of them try to explain, and now im at the point where they wont answerer for phone for me, at least anymore.Transunion, XXXX, XXXX.you guys need to fix my score to the way it was before so far I have no negative accounts, and you didnt even update none of my current accounts none of you, and on more thing transunion, I had a fraudulent inquiry and the bank said they sent you a letter so why isnt my inquiry removed? Any negative balances or whatever that you guys recorded from XXXX are now SETTLED.so check your info again and fix the problem, because this wont look good if this become a court case lbs.I have my proof, Ive done the things I needed to do, now its on your lack of urgency and negligence. To all parties involved fix it.Contact XXXX XXXX, All debts should be resolved
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-25
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. (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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (AZ)

I had been waiting over a month to get a check from my great aunts estate after she had passed and I finally received the check for {$2000.00} on Monday, XX/XX/XXXX. This check is from XXXX XXXX, where my great aunt had a trust account for her estate. I signed the check and deposited through my Wells Fargo XXXX app and within 30 minutes I had received {$400.00} of the 2000 which I used 100 to pay off my credit card, which is also in Wells Fargo. I woke up today, the morning of Tuesday, XX/XX/XXXX to $ XXXX in my account and a notification that the entire {$2000.00} check is now on hold. 

I now am scrambling to find money to deposit into my debit account to avoid overdraft fees from a credit card payment which I never wouldve made had I known access to my own money would be restricted the following day. It is still Tuesday, XX/XX/XXXX and I just returned home after having a discussion with a banker at my nearest Wells Fargo branch, who while courteous, was still unable to release any of the check, let alone the portion that was released and used yesterday. My brother and grandmother both received checks from the same trust account, signed by the same lawyer, but they deposited in XXXX and have not had any issues in their process, this seems purely a Wells Fargo issue. 

I feel this is an extremely predatory practice, because now not only are they holding onto my money till XX/XX/XXXX for no apparent reason, but they also granted me access, allowing me to spend money just to then take away access and make that money spent be subject to an overdraft fee.
Consumer complaint received 2024-09-16
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. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (AL)

This debt collector engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2022-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MO)

Re : Sallie Mae Loan # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have a private parent student loan w/XXXX. However, during the national pandemic when it was announced that ALL student debt, rent etc -- payments was put on hold, mine was also. Unfortunately, when it came time to resume payments ; I began paying my " contractual agreement '' amount but XXXX  representatives tried to bully me into paying " double '' my original agreement amount giving some reason that I don't understand. I filed a complaint w/XXXX XXXX office ( see # about ) ; and I received an email from XXXX XXXX from the AG 's office stating XXXX  is in a Nation wide settlement w/XXXX being the administrator due to XXXX  's scrupulous student loan practices. When I went to the website to apply for the settlement, I never heard anything back ; when I recently went on their website & it's not working. However, the entire time I was trying to stop XXXX  from sending my loan into 'default ' ( while still paying contractual agreed amount ) the XXXX  reps intentionally failed to tell me about XXXX  XXXX multistate settlement. The interest rate on my now parent loan when it was in forbearance is high ; & I'm still being bullied by XXXX  and the balance on this loan isn't going down. When you try to go on the XXXX site now, there's no way to ck on status of the settlement. 

FYI : I HAVE FILE NUMEROUS COMPLAINTS W/CFPB & YOU PEOPLE ARE REALLY A WASTE OF TIME! THE FOUNDER OF THIS SITE MUST HAVE STRONG POLITICAL TIES TO ALLOW THIS COMPANY TO BE ESTABLISHED! YOU PEOPLE GET A RESPONSE FROM THE 'OTHERSIDE ' & NOTHING ELSE HAPPENS CFPB IS XXXX XXXX XXXX XXXX XXXX XXXX