davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute the reporting of XXXX accounts from US Dept of EdXXXX that appear to be duplicates on my credit report. The accounts in question are : XXXX. Account # XXXX : Balance : {$5300.00} ( reported across all three bureaus ) Last Active Date : XXXX : XXXX XXXX : XXXX TransUnion : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) XXXX. Account # XXXX : Opened Date : XXXX Balance : {$6900.00} ( reported across all three bureaus ) Last Active Date : XXXX : XXXX XXXX : XXXX TransUnion : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by XXXX ) These accounts are clearly duplicative and contain conflicting and erroneous information. The discrepancies in balances, late payment reporting, and the duplication of accounts negatively impact my credit profile and need to be addressed immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of duplicate accounts with differing balances and late payment histories constitutes a violation of this statute. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of duplicate and inconsistent accounts can also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inaccuracies and duplication of accounts may also be in violation of 15 U.S.C. 1692f, which forbids unfair practices in debt collection.

Request for Immediate Action : In light of these violations, I am requesting the following actions : XXXX. Validation of the accuracy of these accounts ( # XXXX and # XXXX ). 
XXXX. Immediate removal of any duplicative or inaccurate information from my credit report. 
XXXX. An updated copy of my credit report reflecting these corrections.
Consumer complaint received 2024-08-22
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. (GA)

I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (CA)

I XXXX XXXX make payment to XXXX XXXX XXXX on XXXX XXXX, the XXXX XXXX didnt complete transaction do to closing my account and reporting XXXX  days late by explaining that the bank didn t honored payment do to insufficiency XXXX XXXX XXXX XXXX XXXX XXXX, by mail email or phone call didnt wait for grace period XXXX and did reported to XXXX Late for XXXX  days winch is not thru i did send payemnt online and it went thru .in there end they are closed my account and didnt XXXX to bother to contact me but reported XXXX days late, i would like to investigate and remove this entry to XXXX report Thank you XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, 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. (TX)

My name is XXXX XXXX and my credit file number with Transunion is XXXX. I have written TransUnion credit bureau more than once concerning this problem of incorrect addresses on my credit file and other incorrect personal information on my credit file. They are reporting my childhood address as well in which I have not lived in over 30 years. I have asked them over and over to remove address and they REFUSE TO REMOVE INCORRECT ADDRESSES. I am requesting again. Transunion gives all kinds of excuses why they refuse to remove extra addresses. I have attached a copy of my ID and my Social Security card. Ive also attached a copy of mail thats dated with in the same month we are in now which is XX/XX/XXXX. I am the consumer this is my consumer credit file and I should know what should be on my credit file or not definitely things or addresses or items from years past should not still be appearing in XXXX. Hopefully this information will not be outsourced like everything else. In other countries like XXXX, XXXX AND PLACES IN XXXX XXXX with all of my personal information being compromised. Thats the other thing Consumers information has been compromised through Trans Union at no fault of our own. They are willing to outsource our information TO STRANGERS and refuse to believe who we say we are even when they have been given evidence of our identity. I have asked TransUnion several times to REMOVE the below addresses : REMOVE THESE ADDRESSES XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX The only address should appear on my credit file is XXXX XXXX XXXX XXXX Texas XXXX REMOVE ALL PHONE NUMBERS XXXX XXXX REMOVE INQUIRIES XXXX XXXX XXXX XXXX  INQUIRY APPEARS 3 times REMOVE ALL SEND AN UPDATED CREDIT REPORT VIA MAIL WITH ALL DELETIONS AND CORRECTIONS
Consumer complaint received 2024-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (FL)

I was the co-signer on a Sallie Mae/Navient loan . I was never told the student was advised to enter into forbearance and then never made any payments. I should have been notified as the co-signer and given an option to take over payments. I found out about the delinquency when it showed up on my credit report. Dealing with Navient over the past 12 years was more than difficult. I tried to be released from the loan and they would not release me. The original loan was for {$24000.00}. I ended up paying more than {$70000.00} to satisfy this loan. I believe this loan is a clear example of the practices Navient has been found liable for in the XXXX class action settlement. If something was sent I never received it as to I moved in XXXX and changed my email.
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute several unauthorized inquiries that have been made on my credit report. These inquiries were not initiated or authorized by me and have appeared on my credit report without my consent. I request that these inquiries be removed immediately as they are damaging my credit profile. 

XXXX : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), inquiries into a consumers credit report must be authorized by the consumer. These inquiries were made without my authorization, constituting a violation of the FCRA. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain accurate information on consumers credit reports. The presence of these unauthorized inquiries indicates non-compliance with this provision.

Request for Immediate Action : I request that you conduct an immediate investigation into these unauthorized inquiries and remove them from my credit report. Please provide me with an updated copy of my credit report reflecting these corrections.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 60 days 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.

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 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WI)

on XX/XX/year> my rewards from my citibank double cash card were returned back to my online account my old checking account is still in their old system and there is no way for me to update it online ive added my new checking account info in my payment account for both cards Citi bank refuses to have a supervisor call me regarding this issue the representative I spoke to tonight hung up on me im tired of the rude XXXX  customer service I believe this issue could have been resolved without filing a cfpb complaint.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following previous addresses are wrong : Incorrect Name- XXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, GA, XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA, XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else, because of these errors that you are reporting!
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ava Finance, Inc (DC)

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation listed, they either pay me or delete this account ASAP.
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2024-10-15
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. (IL)

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 XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-30
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. (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.

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 2024-10-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I keep getting harassed by this company after I've told them numerous times I do not have a mortgage, yet alone ever had one. How can you get them to stop harrassing me? I've called my attorney provider XXXX XXXX ( based in XXXX XXXX  and they suggested I contact you first by submitting a complaint. 

" Payment Reminder Your payment is due on XX/XX/year> on your account ending in XXXX. 

Please sign into your account at XXXX XXXX //lakeviewloanservicingXXXX  to make your payment. 

Thank you, XXXX XXXX XXXX # XXXX ''
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose f
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MO)

I have revoked Power of Attorney from US BANK and also sent them a Durable Power of Attorney. If I am continued to be violated against in reference to denying me credit and not retracting my application then I will take further legal matters for discrimination, security fraud and trust fraud. The tracking number from mail I previously sent to your back office is XXXX with the USPS ( United States Postal Service ). It was sent certified mail, so I know it was received. I'll have receipt with that attached below.
Consumer complaint received 2024-09-16
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. (TX)

Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation. I just put the same incorrect numbers on my credit report.
Consumer complaint received 2024-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (PA)

Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have attached several documents for your review in regards to my complaint. The following credit reporting agencies are taken advantage of my by reporting several INACCURATE ACCOUNTS and Fraudulent Inquiries on my report. Please see attached.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX. 

Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.