davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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)

TRANSUNION SENT ANOTHER STALL TACTIC LETTER DATED XX/XX/2024 I reached out TO GET CLARIFICATION ON XX/XX/2024 to TRANSUION about this issue that has to be resolved, because of POOR COMPLIANCE PROCEDURE by TRANSUNION and the clerks that they hire to investigate the accuracy and the completeness of information being reported, as well as the POOR COMPLIANCE PROCEDURE involving express written consent documents that can not be available when demanded upon. This type of behavior is A major Violation of Fair Credit Reporting Act. TRANSUNION has to held accountable for such major mistakes that plague their procedures by not following FCRA Law as TRANSUNION has to abide by it. POOR COMPLIANCE PROCEDURE BY TRANSUNION INCLUDES LYING TO CONSUMERS LIKE ME, UNABLE TO PRODUCE WRITTEN EXPERSS DOCUMENTATION UPON DEMAND, 15 USC 1681e ( b ) 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. 

REPORTING ERRORS AS A RESULT OF NOT DOING A REAL INVESTIGATION WHEN DEMANDED BY 15 USC 1681b and 15 USC 1681i. TRANSUNION IS REQUIRED TO FOLLOW FEDERAL LAW WHETHER IT WANT TO OR NOT, IT IS THE LAW NOT SOME CORPORATE COMPANY POLICY IT IS THE LAW. TRANSUNION HAS BROKEN THE LAW. PLEASE CFPB MAKE SURE THAT TRANSUNION RESOLVES MY ISSUE PLEASE..
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, 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)

I received a letter stating that based ON Transunion erroneous reporting refer to my previous complaint about Transunion reporting incorrectly debts and deliquencies as NEW debts even though they are at least 6 years old! My credit is was reduced by XXXX as delinquent and lack of my ability purchase a home! This is unfair and unwarranted! I cant keep being subject to XXXX discrimination!! This has to stop
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX 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 2024-04-18
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: Experian Information Solutions Inc. (TX)

Like many Americans I was a victim of the XXXX data breach, I have already experienced several issues with my personal information being stolen. These accounts are still inaccurate, unverifiable, and unvalidated and need to be corrected or deleted immediately. Please also make sure these items are in Compliance. Also pursuant to 15 USC sections 1681d of the act please notify me when the items have been deleted. Also, send me documentation that was provided prior to the items being reported, that gives me right to opt-out of my information reporting to a non-affiliated third party.
Consumer complaint received 2024-05-14
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)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX payments on my account that were not my fault. I am XXXX XXXX, a loyal customer of XXXX XXXX XXXX XXXX for over three years. My account number is XXXX. 

The following events detail the circumstances leading to this complaint : Upon securing a loan with XXXX XXXX XXXX XXXX, I arranged for auto-pay from my XXXX XXXX account to ensure timely payments. 

Despite this arrangement, I was notified of two missed payments on my credit report. When I contacted XXXX XXXX XXXX XXXX, I was instructed to address the issue in person at their branch, located an hour away. 

After enduring a two-hour wait for an appointment, I was informed that the problem stemmed from XXXX XXXX XXXX XXXX of the credit union XXXX XXXX XXXX XXXX XXXX assured me they could swiftly resolve the issue. 

The matter was supposedly resolved after XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the branch. 

Subsequently, I discovered a significant XXXX drop in my credit score due to late payments attributed to XXXX XXXX XXXX XXXX XXXX despite assurances of resolution. 

Despite repeated attempts to communicate and seek resolution, the issue persists, causing undue stress. Notably, six late payments were erroneously reported, despite being on time. 

I request the XXXX XXXX XXXX thoroughly investigate and address this matter. I urge XXXX XXXX XXXX XXXX to rectify the late payments and enhance their customer service processes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-13
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 make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-13
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)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX fraudulent account XXXX  XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, BBB, CFPB XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-04-18
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. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX  Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-23
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and XXXX  they are causing me.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

All accounts listed for each bureau that I have uploaded are NOT my accounts. I have gone thru the FTC website, also submitted my own paperwork with the 605b and 609e, attached but to no change at all. The police would not let me do a police report because they said my ID is valid which what was used to get the vehicles and credit cards, but it was not me. Please help immediately please.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-13
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. (GA)

Did not authorize these companies to use my Social Security number this is fraud at this point unauthorized usage for he following accounts .fraudulent accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13
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. (IL)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-07-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (GA)

Grain 's phone app does not work properly, making it impossible to make payments on time. I finally got in and began to insure that payments are made and they charged the account off without analyzing the app and it's working issue. They reported this account unjustly to the credit agencies causing my credit great harm. I was never contacted before this mark was placed on my consumer report which violates my rights under the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

I have reached out and have not been helped. I am being unjustly punished for their mistakes
Consumer complaint received 2018-10-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I attended the XXXX XXXX XXXX XXXX, PA earning a XXXX Degree in XXXX XXXX and graduating in 2012. I have learned since then that the school is now closed and I am filing a separate complaint. When my loans became due in XXXX of that year, my parents and I tried to reduce the payments. I was facing a total of {$160000.00} plus in debt. On many occasions, they had us in tears and were not willing to work with us. We started paying the extremely unfair monthly payment but as life goes, our financial situation had changed. We tried to lower the payments again, but were unsuccessful. My parents got an attorney involved to see if he could work something out, but they refused to talk to him. My balance has since been turned over to collections. Navient has addressed the 2 loans that my mom co-signed, but I need Navient to work with me on trying to come up with a reasonable payment, reducing interest rates and waiving past due fees and interest. I dont own anything, my credit is shot and as it is now I barely make enough to live. I need Navient to work with me to hopefully come up with a fair payment. Depending on how this goes, it could mean my marriage which is already financially strained. Thank you.
Consumer complaint received 2024-05-13
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)

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 2024-05-13
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. (TX)

I have sent out several letters asking for validation and deletion of the accounts on my credit report that is reporting negatively. I have enclosed the letters I have sent with no response back. 
Letter one on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Trans Union XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear Tran Union, Re XXXX Account # XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

This account is inaccurate and does not belong to me. I do not have a contract with this company. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX Letter 2 on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Trans Union XX/XX/XXXX Dear Tran Union , Re : Account # XXXX XXXX, XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX Reporting twice on my credit report, I do not have a contract with this company. Delete immedietly. 

XXXX Reporting inaacurate information, I do not have a contract with this company. Delete immediately. 

XXXXreporting inaccurate information. I do not have a contract with this company. Delete immediately. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm following up on a complaint I submitted against company for innacuratley reporting my account late I received response and it is contradicting from the response company stated my first date of " delinquency " was on XX/XX/XXXX but payment shows marked on time from companies response letter on the screenshot of my report there is late payments marked late from XX/XX/XXXX all the way to XXXX XXXXwhich shows marked on time for XXXX, XXXX and XXXX how is that possible. I'm asking that this tradeline be removed from my credit report for failure to accurately report and going against my consumer rights.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NY)

I applied for mortgage, and received commitment with conditions on XXXX. My mortgage agent requested all outstanding conditions, and I provided in timely manner. 3 days before my closing I received denial letter from bank ( last week ). The reason for denial is " applications is incomplete. '' There were absolutely no reason for this decision. All documentation were submitted by my mortgage broker in time, and accepted by bank underwriter. The bank took 2.5 month to process application with approved commitment with conditions ( which were timely submitted ) and sent me denial letter 3 days before my closing day. I don't have time to get another mortgage, and because I can loose my down payment, I am applying for private lander mortgage at 12 % interest, since I have no time to find appropriate mortgage bank and reapply for mortgage loan with 3 % interest, which I suppose to get from Loan Depot. This is unprofessional practice, and also very dangerous, because consumers received late unreasonable denial, and there is no time to fix the issue and get new loan from different bank. I am loosing a lot of money now because I have to pay 12 % mortgage interest for at least 6 month and only after 6 month I can refinance my mortgage again for a fair rate without penalties.