davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (AR)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX -- -INQUIRIES -- XXXX XXXXXXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-08
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. (NJ)

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 XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> 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 2024-08-08
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. (MI)

XXXX : XXXX XX/XX/2024 XXXX, TransUnion, and XXXX Subject XXXX Dispute of Negative Items on Credit Report Dear XXXX, XXXX, and TransUnion I am writing to formally dispute the multiple negative items listed on my credit report, as provided by your agencies. I request a thorough investigation of these items, as I believe they are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

The negative items I wish to dispute are as follows : XXXX. LXXXX XXXX ( XXXX, TransUnion, XXXX ) XXXX. XXXX Bank XXXX TransUnion, XXXX ) XXXX. XXXX XXXX ( TransUnion, XXXX ) XXXX. XXXX XXXX ( TransUnion, XXXX ) XXXX. XXXX XXXX Bank XXXX TransUnion, XXXX ) XXXX. XXXX XXXX XXXX XXXX TransUnion, XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX TransUnion, XXXX ) XXXX. XXXX XXXX ( TransUnion, XXXX ) XXXX. ALL INQUIRIES NOT TIED TO AN ACTIVE ACCOUNT. 

These negative entries are related to adhesion contracts, which I believe are inherently unfair and may not represent a true reflection of my creditworthiness. I am requesting that you provide validation of these debts, including the original creditor information and any signed agreements.

Additionally, I have concerns regarding the involvement of your agencies in practices that may be construed as peonage. Peonage is an illegal system of involuntary servitude and is punishable under federal law. Should I find that these negative items are not only inaccurate but also tied to predatory practices, I will take further action to protect my rights. 

Please investigate these matters and inform me of the results at your earliest convenience. I appreciate your attention to this issue, and I expect a response within the XXXX timeframe as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX : XXXX
Consumer complaint received 2024-08-08
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX reporting my account with a late payment on XX/XX/year> and I have never been late. This account is open and active with a XXXX balance.
Consumer complaint received 2024-08-07
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. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-08-08
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)

The XXXX XXXX XXXX account reporting to the bureaus is a result of identity theft and should be blocked from my credit report. I asked for the bureaus to send documentation of how they verified the account and information with the creditor but I have not received a document
Consumer complaint received 2024-08-08
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)

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 : Account Number : XXXX : Balance : {$2200.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-08
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)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed the accuracy of this charge off account withTRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion continuues to report incorrect information on my credit report. I am a victim of ID theft. XXXX XXXX XXXX XXXX was reported with a XXXX XXXX. I reported XXXX Bank to the IRS for fraud and was issued a 1099C. The {$600.00} debt is discharged and the balance is {$0.00}. However, Transunion has changed the ACCT NUMBER and is still reporting a XXXX XXXX XXXX XXXX XXXX. THIS IS BLATANT FRAUD. XXXX XXXX XXXX is supposed to be BLOCKED for ID FRAUD/THEFT. See FTC REPORT. XXXX XXXX XXXX XXXX  was reported for FRAUD TO IRS and issued a 1099C. All of the above referenced accounts are the be removed and blocked.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

My XXXX school student loans originated in XXXX while I was in XXXX school. I had begun my repayments in XXXX via XXXX repayment plan ( income-based ). I had also began filling our employment certifications for PSLF program and had been approved for the terms. For the first several years I was getting accurate counts for the number of payments I had made towards the PSFL forgiveness program. As of late XXXX, I noticed my monthly statements now reset and showed XXXX payments " qualifying for PSLF '', despite me continuallly sending updates each year for the " employment certification for PSLF '' form ( most recently on XX/XX/XXXX ). Over the past year and a half I have been calling myfedloan.org customer service and have been told that " this happens frequently happens to other customers as well but we are back logged and it will take quite a while to get someone to do a manual count ''. I have been told this exact phrase several times over the last year when I speak to customer service. I am hoping to reach out to you to help resolve this issue and obtain a manual recount in order to accurately obtain a PSLF payment count as I am coming close to my 10 year mark in the next few years. 

Thank you!
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-12
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$170000.00} XXXX  XXXX Balance XXXX {$4400.00} XXXX XXXX Balance : {$6.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2020-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: American Payment Holdco, Inc. (VA)

When XXXX XXXX closed my account ( account # ending with XXXX ) in XX/XX/XXXX, they decided to return the overpayment amount of my credit card of {$1200.00} electronically back to CheckFree Pay/Fiserv instead of sending me a refund check on XX/XX/XXXX. CheckFree Pay/Fiserv advised XXXX XXXX that I would be required to return to the location where I originally made the overpayment ( XXXX ) in XX/XX/XXXX to collect my refund and provided the trace number XXXX. But when I went back to the original payment location ( XXXX ) to collect my refund, none of the XXXX representative ( including the manager ) recognized the trace number and told me to contact CheckFree Pay/Fiserv. On XX/XX/XXXX, I then contacted CheckFree Pay/Fiserv External Customer Service Department at XXXX to address this issue and even confirmed with XXXX Customer Service Department about the refund of {$1200.00} as per CheckFree Pay/Fiserv protocol. On XX/XX/XXXX, I followed up with CheckFree Pay/Fiserv and escalated this issue to their Internal Department ( ticket # XXXX ). On XX/XX/XXXX, I followed up again with CheckFree Pay Customer Service Manager and was told that they still have no resolution as they were unable to locate my refund. On XX/XX/XXXX, I followed up again with CheckFree Pay/Fiserv Customer Service Manager and was told the same thing. I even tried to contact XXXX XXXX Solutions Department representative ( XXXX ) but he never returned my calls. It has been over 3 months since XXXX refunded my overpayment of {$1200.00} and neither XXXX nor CheckFree Pay/Fiserv can locate my money and that is why Im filing this complaint. Essentially, my money is now caught in a limbo between XXXX who claimed that they already refunded my money to CheckFree Pay/Fiserv but provided a bogus trace number that neither CheckFree Pay/Fiserv nor XXXX ( payment agent ) can recognize and CheckFree Pay/Fiserv who is unable to locate my refund in the first place.
Consumer complaint received 2024-08-08
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. (CA)

I am writing to formally express my frustration and disappointment with the ongoing issues regarding fraudulent items on my credit report. Despite numerous attempts to resolve this matter, the fraudulent entries remain unaddressed. As a victim of identity theft, I have diligently provided all necessary documentation and followed the required procedures to dispute the fraudulent entries on my credit report. However, despite my compliance and persistence, these items continue to negatively impact my credit score and overall financial wellbeing. I kindly request that you could help investigate and remove the fraudulent items from my credit report immediately and provide a written confirmation once these items have been removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc. (FL)

1. Borrower originated the loan on XX/XX/2017. The first payment was due on XX/XX/2017. Hurricane Irma ( Category 4 ) struck Florida on XX/XX/2017. The Governor of Florida declared the entire state a disaster area.

2. Immediately following Hurricane Irma, Lender/Investor offered Borrower the Hurricane Irma Natural Disaster Forbearance plan.

3. Lender/Investor did not provide the Borrower with a Loan Modification after the completion of the Hurricane Irma Natural Disaster Forbearance plan as required by the program guidelines.

4. Lender/Inve

stor denied Loan Modification due to Borrower not making the minimum amount of payments to the loan. However, the minimum amount of payments was not made due to the first loan payment being due the same month as the Lender/Investor of

fer ed Hurricane Irma Natural Disaster Forbearance plan. 5. Therefore, Lender/Investor created a Default of the Borrower by not modifying the loan after the completion of the Hurricane Irma Natural
Disaster Forbearance plan. This refusal to modify the loan was in direct violation of the promise made by the Investor to provide hardship relief to the Borrower after the completion of the Hurricane Irma Natural Disaster Forbearance plan.
Consumer complaint received 2024-08-07
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)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On numerous occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and upsetting my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I generously demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the precision and trustworthiness of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-08
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. (WY)

I would like to follow up behind my frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 
The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I am asking for your immediate assistance that these accounts should be correct right away : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}.
Consumer complaint received 2024-08-07
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)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.