davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX account # XXXX which is an auto loan. Has all kinds of inconsistencies where it is showing that it was las reported with TransUnion on XX/XX/2023 XXXX on XX/XX/2023 and XXXX XX/XX/2023 I also could see that the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXXviolated my rights.

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

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SE Capital Corp dba Credito Familiar (PR)

On XX/XX/XXXX, i applied for a loan at a company called " credito familiar ''. I originally applied for {$5000.00}. After, checking my credit, via XXXX, " XXXX XXXX '' a customer service representative from the financial institution, calls me on XX/XX/XXXX to tell me that i qualify for a smaller amount, {$2000.00}. I agreed, and she then tells me to send her, all required evidence, paystubs, letter from employer, proof of address etc..soon after that, i called to get a payout date, and XXXX XXXX XXXX tells me that according to my paystub, i dont qualify. I told her that my net pay on my paystubs, reflect smaller amounts, but that i had allotments, to different accounts, and they were part of my net pay. I work for the postal service, here in the commonweath of XXXX XXXX. Perhaps, my paystubs are different from everybody else, here in XXXX XXXX, but they are not grounds for denial.I was being considered for a smaller amount, but according to this financial institution my paystub was the reason for denial.I called the institution on XX/XX/XXXX, and spoke to the manager in charge, XXXX for reconsideration. She then tells me, that i was denied, and mentions something else about my credit, to justify their denial. It was plain and simple, discrimination, for being a federal employee in a commonwealth. My credit had nothing to do with it, or else i would not had been ask to send all my personal paperwork, by the institution. All my allotments, for {$1000.00}, {$800.00} {$300.00}, are part of my salary.
Consumer complaint received 2023-03-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

I know nothing about this debt I may be a victim of identity theft. My information was compromised due to XXXX being Hacked. 
World Finance Experian won't listen to the facts they keep ignoring my attempts to dispute them. They are breaking the law according to Fair Debt Collection Practices Act,, 15 USC 1692g Sec. 809 ( b ) their claim is disputed and they are not supposed to report inaccurate information. 
Experian is instrumental in Continuing to Report inaccurate information US AUTO FINANCE NON RESPONSE EXPERIAN NON RESPONSE WORLD FINANCE NON RESPONSE
Consumer complaint received 2021-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PR)

NAVIENT is saddling me with exceedingly burdensome student debt through processing errors and inaccurate information. I was wrongly told I was on track for loan deferment only to later find out I did not meet certain requirements.
Consumer complaint received 2023-03-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (PA)

I applied for a car loan for a new car and was rejected on four reasons why the car loan was not approved. I disagree with PNC 'S reasons for rejecting my loan request. I Have one credit card with PNC and I pay on time. I have enough money to pay for the loan each month. I clear {$2600.00} dollars each month. I have a present car loan with another company that will be paid off at the end of this year. I am not behind and I have an impeccable credit report. There was a time that my credit was poor, but I endeavored to repair my own credit scoring ; fortunately, I succeeded. I believe that PNC is discriminating against my age and longevity. There is no rhyme or reason that PNC should deny me the opportunity to achieve the American Dream as a XXXX. I have had several disputes with PNC in the past few years and I have become exasperated with the nonsensical, racist and age discrimination behavior if PNC. The reason I have not approached another company for a loan, I don't want to give PNC the satisfaction of running or disappearing. Afterall, that's probably what they want. I will stay on and report all wrong doing by PNC until they respect me as a viable and good customer. I'm still livid about the money that PNC would not return to me by an Airline that stole money from my bank card. It was a company that sold tickets for XXXX XXXX.
Consumer complaint received 2023-12-04
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. (GA)

I am writing to express my frustration and concern regarding the persistent inaccuracies on my credit report. Despite numerous attempts, I have been unsuccessful in correcting late open accounts and removing a public record, which is affecting my creditworthiness and causing undue stress. 

I have made numerous attempts to correct these inaccuracies by following the proper dispute procedures. However, the corrections have not been implemented, and these inaccuracies continue to adversely impact my credit profile. 

I understand the importance of an accurate credit report and the impact it has on my financial well-being. I am requesting an urgent and thorough investigation into these matters, with the following expectations : I have attached supporting documentation, including Driver 's License and Proof of Blilling.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies in a timely manner. 

I request that you conduct an expedited investigation into these matters and provide a written response, outlining the results of your investigation and the actions taken to correct the inaccuracies. I am asking for your assistance to correct these late open account and remove the public record in my credit file : XXXX XXXX XXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2024-06-02
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. (MO)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX # XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXXXXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b
Consumer complaint received 2023-12-04
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. (OH)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2023 XXXX sent a letter regarding inaccurate and unknown things on my credit report. On this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equilax data breach and XXXX have got into the hands of the wrong person
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PR)

I would like to know, why, in terms of credit score and credit report, a person who filed individual bankruptcy because of underwater mortage and the impossibility of financial options ( they were none according to the bank ), is treaty as equally as a person who filed individual bankrupcy because financial mishap. 

People who were collaterall damages in the economic downfall and de-regulation of lenders, are having such difficulties to buy another house. Why in credit reports does not say : underwater foreclosure. 

What can I do? What agency have address this issue and solution? Not even Consumer Finance have this topic 4 discussion as I looked ( see attachment ) Real Estate were not supposed to devaluated, let alone by 50 %, so what to do. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

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 2023-12-04
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was not helped. I have a police report on file and was trying to file a dispute. The same woman answered my calls every time I call and tells me due to her system she can't access it and as a result she refuses to file my dispute every single time. She refuses to process my disputes. And TransUnion does not have online dispute access, or they are refusing to allow me to submit disputes.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear XXXX, I am writing to formally request the removal of incorrect addresses that are currently listed on my TransUnion credit report. After a thorough review of my credit report, I identified several addresses that are either outdated or incorrect and do not accurately represent my current or previous residences. 

The incorrect addresses are as follows : Incorrect Address 1 : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Address 2 : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX The correct and current address is : XXXX XXXX XXXX XXXX XXXX, CA. XXXX These inaccurate addresses could potentially cause confusion and affect my creditworthiness. As such, I request that XXXX promptly investigate this matter and remove the incorrect addresses from my credit report. 

Enclosed, you will find copies of documents that verify my correct address : A copy of my driver 's license showing my current address. 
A recent utility bill ( or bank statement ) with my current address. 
A copy of the relevant section of my credit report highlighting the incorrect addresses. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any information found to be inaccurate within 30 days of receiving this letter. Please confirm in writing once the investigation is completed and the incorrect addresses have been removed from my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. 

If you need any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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 - XXXX XXXX XXXX Account - XXXX  XXXX Account - XXXX  XXXX Account - XXXX  XXXX Account - XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account - XXXX/XXXX  XXXX Account - XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account - XXXX XXXX Account XXXX XXXX XXXX XXXX Account - XXXX XXXXXXXX Account - XXXX XXXXXXXX Account- XXXX XXXX XXXX  XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account-XXXX XXXXXXXX XXXX Account-XXXX  XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address 1 : XXXX XXXX XXXX XXXX XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX IL XXXX Address 3 : XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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 also filed an identity theft report with the Federal Trade Commission on XX/XX/2023 report numbers # XXXX, XXXX
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NY)

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Luxury XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX Affirm XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX  15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. section604 15U.S code 1681B, Section605A 15U.S code 1681C-1, Section 605B 15 U.S code 1681 C2
Consumer complaint received 2023-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to address a debt that has been reported on my credit report by Midland Funding. The company has stated that they purchased a debt that the original credit was a XXXX XXXX XXXX  account that was charged off in XXXX. However, I would like to clarify that I did not have a XXXX XXXX XXXX  account prior to XXXX. The name on the account in question is XXXX XXXX, which is similar to my name but it is not mine. I believe that someone may have used my identity to open the account without my knowledge or consent.

I have already informed Midland Funding that the account was not mine. However, I am disappointed to learn that they are still trying to collect from the account as if it belongs to me. This has resulted in the account being reported as a collection on my credit report, which is negatively impacting my creditworthiness and preventing me from obtaining credit. 

Therefore, I kindly request that Midland Funding deletes this collection from my credit report as soon as possible. As I never had this account, it is unjustified and unfair for it to be reflected under my report. I would appreciate your prompt attention to this matter, and I thank you for your understanding.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX  XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.
Consumer complaint received 2023-03-12
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: GOLDMAN SACHS BANK USA (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Denied credit due to inaccurate information on credit report. Unauthorized use of credit being reported. 
15US 1684 15US 602 A 15US604 15US1681 15US1692C