davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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. (MA)

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 XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name : Collection # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-11
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-07-10
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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-07-11
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 have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX account number:XXXX. XXXX XXXX XXXX, account number : XXXX. And XXXX XXXX XXXX, account number : XXXX, have violated my rights. 

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

And according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-11
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)

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 XXXX 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. 

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 2024-07-10
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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX  2022 AND XXXX  2022.

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Date:XX/XX/2024 The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2024-07-11
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-07-11
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. (TN)

The credit companies are not complying with their own policies in a timely manner. 
I sent a letter XXXX XXXX, 2024 informing them that the accounts are not mine. I received a system generated letter. I sent another letter XX/XX/XXXX and received another system generated stating that they do not believe it is me sending the letters. I have attached all personal information in letter to assure that I was the person sending the letter.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I just contacted my Second Mortgage Servicer ( XX/XX/2016 ), Nationstar Mortgage LLC, asking for a XXXX after my First Mortgage Home Affordable Modification With Select portfolio XXXX. was approved this XX/XX/2016 Spoke With XXXX Nationstar XXXX Department and she explained me that '' if the government did not sent the information to them we do not qualify for the XXXX under HAMP '' I thought if the First Mortgage qualify under XXXX the second is eligible for XXXX. 
Is Nationstar Representative correct?
Consumer complaint received 2024-07-10
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site XXXX. Please dispute the account. It was opened without my knowledge, authority or consent. 

JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Equifax company. I am trying to lift a security freeze on my credit report. I have tried all possible means to do that - app, IVR, phone call, web site. Online means give an error. Calling via phone - the place you on hold for hours and the call drops.
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX. 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. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

% th XXXX has reported to my credit a charge off for XXXX 6 years ago I had my credit card over 6 years never a late payment however due to a divorce there I needed to file a bankruptcy XXXX XXXX was not included yet they closed the card which is fine but I requestthe last 12 monthsstatments because they reported a charge off which was not the case and a balance of XXXX when I called XXXX XXXX on XX/XX/year> after speaking to nearly XXXX people I was told I had to go back to the credit breau which i did on at least XXXX occasions and was told to go back to XXXX XXXX they are the only ones that can fix it. XXXX replied they can not see the statements and could not fix the issue. As a resolt oa mwriting to request to the the charge off removed from my credit on the basis that this information is falsely reported.
Consumer complaint received 2024-07-10
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)

To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this statement on my behalf. Per 15 USC Code 1681-2 ( a ) ( a ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the Federal Codes listed above, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights and I am demanding the deletion and removal of ALL the listed accounts mentioned IMMEDIATELY! Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2024-07-10
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. (PA)

I am writing to demand immediate resolution to my previous letter concerning the inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ) 611. Despite my clear request for an investigation into the following accounts, I have not received a satisfactory resolution.
Consumer complaint received 2024-07-11
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I signed up for autopay with EdFinancial in XXXX. On XX/XX/XXXX I received an email confirming their receipt of my request and that the effective date would be XX/XX/28. Now in XXXX I'm receiving past due notices for the XX/XX/28 payment. I logged in and there was no auto pay set up. Instead their website is encouraging me to sign up. I googled the problem and found out on XXXX that lots of people are having my same issue with conflicting information. Tonight I called Edfinancial and the CSR told me that they are " aware of the problem '' " working on it '' and gave me an estimated resolution date of " XXXX ''. However they could not explain why it was happening nor why they are still advertising the program without any warning to customers that the program isn't working and that they may find themselves defaulting on a payment. Nor could the CSR confirm whether the interest discount they advertise for signing up would be retroactive back to my initial application. So I have to make manual payments at the full interest rate instead of the auto pay reduced rate despite accepting their auto pay offer nearly two months ago.
Consumer complaint received 2023-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

The COVID-19 federal loan forbearance ended a couple of months ago. Prior to it ending, I updated and added " auto-pay '' to my Ed Financial Services account to ensure that my federal loans were paid ; in fact, I am paying monthly above and beyond the minimum requirement. On XX/XX/XXXX, I made the first payment ; on XX/XX/XXXX, I made the second payment ; on XX/XX/XXXX, I made the third payment. However, each time an auto-payment is made, Ed Financial Services reverses the payment, which allows interest to accrue. The issue, I have learned, is not with my bank, but is on Ed Financial Services ' end. It is an issue that hundreds ( at least according to numerous XXXX complaints similar to my issue ) of others have also experienced.
Consumer complaint received 2023-12-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

EdFinancial is not allowing me to sign up for autopay. Ive attempted to sign up 4 separate times over 3 months and Ive never been enrolled : On or around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attachments for confirmation emails ). 

Each time I submit the request to enroll in autopay on their website, the edfinancial.com website says my auto enrollment request has been submitted, and will process in 2-3 days. I also receive email confirmations that my enrollment request has been received, but I receive no follow up emails stating confirmation of enrollment or any errors with processing my enrollment. Ive received payment confirmation emails for the payments Ive had to submit manually waiting for this auto pay enrollment to complete. 
The request made on XX/XX/XXXXXXXX  temporarily showed in my profile on EdFinancial.com along with an estimated application date of XX/XX/XXXX, but now my profile shows no indication that I ever requested enrollment, that enrollment is pending, no alerts or errors regarding autopay enrollment, or that autopay will be applied on XX/XX/XXXX. 

When Ive gone back into my account to check the status of autopay following my enrollment requests, autopay hasn't been setup, there are no alerts or notices in my account regarding the enrollment, my payments arent coming out automatically, and Im not seeing the 0.25 % interest rate reduction advertised by EdFinancial for enrolling in auto pay applied to my loans. 

The screenshots from XXXX  are to show the status of autopay in my profile- I've gone through the Auto Pay Enrollment on each of the dates listed above and it still prompts as a new enrollment request like I've never requested enrollment before when I click on the AutoPay button.