davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX. The following personal information is incorrect Employers : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX  agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX  agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 



Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The XXXX XXXX is a XXXX XXXX XXXX that has the authority to verify my XXXX.
Consumer complaint received 2023-11-28
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)

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the opened date is inaccurate, the day last active is inaccurate, and the date last reported is also not accurate. This is ground for removal they also violated my rights under 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 2023-11-28
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. (CT)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-11-28
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. (AL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$8900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion have not allowed me to access my credit report online for over three years. They are the only bureau that is currently reporting an item that has in dispute with XXXX XXXX as negative impact. I can not dispute their report online, the site list identity verification failed ( they did not provide any question for verification, I even validated the code they send via email ). 

This inconvenience is making it difficult to dispute inaccuracy, I have also asked Transunion to correct my name, I do not have any aliases I only go by XXXX XXXX XXXX XXXX my legal name ) ; XXXX XXXX is not my name ( it is the company incorrectly dropping part of my last name )
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing of my information to your agency or the obtaining of my consumer information for inclusion in your credit reports.
Consumer complaint received 2023-10-04
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. 

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 Experian
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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

I received XXXX in XX/XX/XXXX after working ten plus years as a social worker. I have attached the letter. I continued to check XXXX almost daily to make sure my loan balance still showed {$0.00} for almost a year. In XX/XX/XXXX I receive a letter from Mohela stating that my repayment structure has changed. To my knowledge I have no student loans anymore so I have no idea what they are talking about. I log in to Mohela and they are showing I have two loans, an unsubsidized and a subsidized consolidated loan from XXXX. Where did these loans come from? Why were they not included in my PSLF? I called Mohela who said they couldnt tell me anything because XXXX had taken back all of their XXXX information so they couldnt help me. I called the FSA Ombudsman who also couldnt figure it out and thought it might just be a mistake from the switch over from Mohela to XXXX. I have put complaints in on FSA for help, I have pending XXXX and XXXX forms just to try to get someone to even look at my account and I get nowhere. Now Mohela tells me I have payments due in XXXX. On loans that I believe were forgiven last year. I need help.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file an urgent complaint regarding fraudulent items that have appeared on my credit file. It has come to my attention that there are inaccuracies in my credit report resulting from fraudulent activities, and I am requesting an immediate and thorough investigation into these matters. 
I understand the gravity of identity theft and the potential harm it can cause to my financial well-being. Therefore, I request that you prioritize the investigation of these fraudulent items and take swift action to remove them from my credit report. 

Enclosed with this letter, please find supporting documentation related to the fraudulent activities, including any police reports, identity theft, or other relevant evidence. I have also taken the liberty of marking the specific items in question on the copies of my credit report that I am providing for your reference. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an immediate and thorough investigation into these matters. I expect the results of this investigation to be provided to me within the legally mandated timeframe. Additionally, I request that you notify all relevant creditors and parties involved of the fraudulent nature of these items and ensure that they are promptly removed from my credit report. 

Given the urgency of this matter, I kindly request that you expedite the resolution process and keep me informed of the progress throughout. I can be reached at the provided phone number or email address for any further clarification or information you may require. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP (WA)

Key Bank refuses to credit back XXXX fraudulent charge used with my debit card. I've provided them with both a XXXX Police report, that I filed, and the XXXX police department that was already looking into this scam. I've provided Key Bank with the phone number of XXXX XXXX XXXX XXXX ) case # XXXX from the XXXX Police Department and XXXX XXXX Police case XXXX XXXX, also XXXX XXXX XXXX XXXX ) who was the contact for XXXX XXXX XXXX XXXX , that has been desolved a number of years ago. These scammers stole their credentials and now are being used for this scam. 
I've called Key Banks fraud department after each rejection letter, and I'm now at a loss of what to do. They want me to prove the charge should have only been {$5.00} and not the {$1000.00} that was charged with a receipt, and for me to contact the " merchant '' to resolve the matter.
Consumer complaint received 2023-11-28
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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)

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report with Transunion, there are several unauthorized / fraudulent inquiries : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that these inquiries and accounts are fraudulent. Neither on those dates or dates similar did I authorize any individual from Transunion to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C.1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and seperately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned unauthorized / fraudulent hard inquiries and accounts are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2024-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

A school misconduct discharge application was sent to XXXX XXXX months ago around XX/XX/year>. I received a denied response on XX/XX/year> from Mohela since XXXX transferred the loans to them.. The denial simply states my application does not meet their criteria. There is no criteria listed, nor have they provided any specifics as to why this application was denied. My school is listed under Exhibit C of the XXXX vs. XXXX case and has been found in federal court to have committed fraud, misleading students, and other areas of misconduct, yet this application was denied.
Consumer complaint received 2024-10-28
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: BARCLAYS BANK DELAWARE (OH)

There was a hard inquiry on my credit report from Barclays. I contacted XXXX and was referred to contact Barclays direct for a deletion letter. I contacted Barclays and was told that they couldn't send me anything because they didn't see an application on their end.
Consumer complaint received 2023-11-24
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)

Negative Items : 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  TransUnion " Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, have a significant responsibility to handle consumer information with fairness, impartiality, and respect for privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which states that financial institutions must actively uphold customer privacy and safeguard nonpublic personal information.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies, including XXXX and XXXX, are only allowed to furnish a consumer report when provided with written instructions from the consumer. As the consumer, I have not provided any written consent for these agencies or the financial institution involved ( referred to as " Furnisher of information to credit agencies '' ) to share my information. Therefore, any form of consent given to XXXX, XXXX, or the financial institution, including verbal, non-verbal, written, implied, or otherwise, is now revoked. 

Additionally, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' did not inform me of this right. This is a violation of my rights.

Furthermore, according to 15 USC 1681C ( a ) ( 5 ), unless authorized under subsection ( b ), no consumer reporting agency can include any adverse item of information in a consumer report, except for records of convictions that are more than seven years old. The account being reported without my permission is considered an adverse item. 

In conclusion, XXXX and XXXX, as consumer reporting agencies, along with the financial institution ( " Furnisher of information to credit agencies '' ), do not have my consent to furnish this information, and they have failed to provide me with necessary notifications regarding my rights. Furthermore, the reporting of adverse information without proper authorization violates the regulations stated in the Fair Credit Reporting Act. ''
Consumer complaint received 2024-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

My loan was recently moved from XXXX to MOHELA. We were told our plans would remain the same, but since I was paying interest only my new bill is now almost {$100.00} higher. This is largely due to XXXX suddenly doubling my interest rate claiming prime rate hikes last year or so ago. I was in grad school and they immediately doubled my rate after graduation when my loans restarted. 

When I called MOHELA today, XX/XX/XXXX, I received a very unhelpful customer service rep. She said XXXX is still the owner of my loans and even over XXXX Navient reps are now working the loans for MOHELA. If the Consumer Financial Protection Bureau has cited XXXX has " abused students '' in their recent ordering of Navient to not handle loans anymore, then why are Navient people still working my loans? The abuse just continues. 

When asked for repayment options, I am only provided an interest only option when previously I qualified for a rate reduction- which was just my normal rates before XXXX increased them. When I asked why I was unable to receive the interest reduction she started citing I received it back in XXXX and more and it only lasts so long, etc. I have no forbearance or other help because Navient misguided me for years on repayment options- a well known issue. Additionally, I asked why my rate has not been reduced to reflect the rate cuts in XXXX. I was told " it takes time. '' My credit cards and anything else based on the prime rate were cut immediately. Two months later and still a XXXX and 11 % interest rate, which is absurd! But I keep receiving refinance options from XXXX, so they can help if they want to, but only if you take a hit on your credit to reduce your loan burden. 

I was told I could call back in XXXX and see what options I have, that is varies month to month. Why is it so hard to get help and why does it vary month to month? My federal loans are not this hard. 

Furthermore, I can not get my stepdad from when I was XXXX off of these loans as a cosigner without jumping through hoops. Because they keep putting me on interest only, I can't " qualify '' to get him removed even after making qualified payments because it has to be 12 months consistently and subject to yet another credit check. 

This is hurting student loan borrowers.