davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that 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 and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX  XXXX XXXX, XXXX XXXX ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand these payments be updated to paid on time immediately. Thank you
Consumer complaint received 2024-09-09
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)

Dear EQUIFAX I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INCORRECT EMPLOYER : XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
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. (MI)

My report is not accurate and incomplete. Payments show delinquent for XX/XX/2024 and XXXX of XXXX  Account # XXXX XXXX XXXX XXXX  according to the fair credit reporting act whenever a consumer reporting XXXX prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( 1 ) of any information diputed. Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.
Consumer complaint received 2024-08-05
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. (IN)

According to the Family Educational Rights and Privacy Act my student education records are to be privately protected. Per the 15 U.S. Code 1681 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX have violated my right to privacy by furnishing information to the Department of Education. In accordance with 15 U.S Code 1681 ( b ) permissible purposes of consumer reports my written consent is needed to add anything to my consumer reports. This is a violation of the Fair Credit Reporting Act. Any and all consent to the U.S Department of Education as well as XXXX, XXXX, Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. '' XXXX, XXXX, and Transunion are not maintaining reasonal procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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

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

I demand the late payment reported to be removed/updated.

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.

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!
Consumer complaint received 2023-07-07
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$3000.00}, XXXX XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-05
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-13
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. (CA)

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. 

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 

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 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

I moved to XXXX, or in XX/XX/XXXX to attend XXXX because I was lied to about the accreditation of the school and reputation of their school. While signing up for school I was told that my classes would be covered by federal loans. Not once did the school advise I would have a private loan. I dropped out of the school in XX/XX/XXXX when I got a little older and realized they had blatantly lied to me about the school. Now that the government has seen through their lies they have forced the school to shut down. I have filed a borrowers defense against repayment for my federal loans, but I realized that I also have a private loan that has over 10 % interest. Navient refuses to help with this at all or even provide some option since I was never aware of the private loan the only record I have of it is on their website. There is no info on the student loan.gov site and they will not even work with me the loan is already double what it was and will double again before it is paid off. The government needs to have regulations on this and I am sure they do. I have issues with them with deferment and even getting information from someone that has knowledge of how the system works. I will contact anyone I can to get this resolved and make sure this company is help accountable. They have been servicing my loans since they were sallie mae and have not gotten any better.
Consumer complaint received 2024-09-13
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. (GA)

Under the provision of Section 611 of the Fair Credit Reporting Act ( FCRA ), I am within my rights to seek and obtain method of verification pertaining to the aforementioned dispute. 

As such, I kindly request that you furnish the following particulars regarding the disputed items - XXXX XXXX / XXXX # XXXX {$480.00} XXXX XXXX XXXX # XXXX {$8900.00} 1. Identification and contact details of the original creditor including their name, address, and telephone number.

2. Name of the individual with whom the dispute was verified.

3. Documents or other forms of proof that were used to validate the dispute.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

XXXX XXXX XX/XX/XXXX- XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XX/XX/XXXX- XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XX/XX/XXXX- XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX  and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment. 
Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

First, they sent me a link with a document that does not reflect the original loan amount, or the amount disbursed, and the name of the lender is different. The document they attached in the link was dated XX/XX/2017. I had to drop out of the university in XX/XX/2017, since my husband got XXXX and I had to move to another state for him to receive treatment for his illness, therefore the university was supposed to return the loan to the lending company, because I did not attend the University. ( I attach the document that verifies the cancellation of the loan ). In addition to this situation, I received forgiveness of other student loans with XXXX XXXX  due to the approval of the Borrower Defense program, due to the misleading and misconduct practices of the University ( Attached document ). This whole situation has caused XXXX XXXX XXXXXXXX XXXX XXXX, because I had to repeat a year of the study program since it became difficult to find a university that would accept transferring the credits and I had to acquire more student loans, in order to finish an XXXX XXXX in which full-time job positions are limited, also my credit has been affected making it impossible for me to buy a home. To correct this situation, I request that XXXX, XXXX and the collection company send me the loan cancellation letter and send the information to the credit agencies so that they remove the loan from my credit report.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX