davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Over several times, I have reached out to XXXX, XXXX, and TransUnion trying to update and correct the information on my credit profile. But for some strange reason, the credit bureaus refuse to follow the guidelines of the FCRA. According to the FCRA, there should only be XXXX address listed on your credit profile. Any address that is not deliverable to you through the XXXX Postal Service is inaccurate and should not be listed on my credit profile. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX, TN XXXX None of the addresses above are deliverable to me through the XXXX Postal Service. Therefore, all XXXX of them are inaccurate and should not be reported on my credit profile. It is a direct violation of my rights under the FCRA.
Consumer complaint received 2019-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

For a few years I have been on an income repayment plan with FedLoan. The monthly payment was {$330.00} for a few years. Today I received a phone call from FedLoan saying that my loan is in default, yet I have not missed a payment in the last few years. I am told that my repayment plan was not renewed in XX/XX/XXXX and the payments I have been making each month for the last year have only been partial payments. I had assumed everything was okay. I spoke with them in XXXX of last year to clear things up and I was told it would be okay and continue making payments. Now they are saying that I am more than $ XXXX in back payments ( again making payments each month ) and that it is affecting my credit history. I thought my credit history was okay but I did not know that I was in this type of trouble. Not only that but my payments for the last year do not count toward my repayment in 10 year plan. What can I do? My father was in the XXXX XXXX but has since died in XX/XX/XXXX.
Consumer complaint received 2024-05-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX  XXXX XXXX Balance : {$67.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$72000.00} XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXX  XXXX Balance : {$61000.00} XXXX AUTO XXXX Balance : {$0.00}
Consumer complaint received 2024-05-20
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to seek your urgent assistance regarding several unauthorized hard inquiries on my credit file that have severely impeded my ability to achieve financial equity. Despite numerous attempts to rectify this issue with the credit bureaus, these hard inquiries remain on my record, causing significant harm to my financial standing. 

I would like to bring to your attention the following points : Unauthorized Hard Inquiries : The hard inquiries on my credit file were neither authorized nor ever consented to by me. I am a victim of identity theft, and my personal information was compromised during the XXXX breach. As a result, fraudulent activities have been conducted using my identity. 

Failure of Credit Bureaus : Despite providing substantial evidence and following due process, the credit bureaus have failed to remove these unauthorized inquiries from my credit file. This negligence has resulted in ongoing financial difficulties for me. 

TransUnion Documentation : Enclosed with this email, you will find documentation from TransUnion confirming that these inquiries should have been removed. However, these unauthorized inquiries still appear on my credit report, indicating a failure to follow through on their part. 

Merchant Routing Back to Credit Bureaus : When I contacted the merchants responsible for these inquiries, I was repeatedly routed back to the credit bureaus. This cycle of deflection has left me without a clear resolution and continues to impact my financial health negatively. 

Thank you for your attention to this critical matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account was charged off on XX/XX/year>. Since then, it has been repeatedly updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly, and your neglect has violated my rights. 

I am demanding the deletion of the following account : XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (PA)

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.

The letters are stated with items and issues.

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 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than XXXX  days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.
Consumer complaint received 2024-05-20
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)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-20
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)

I called all XXXX  credit bureaus between XXXX and XXXX to remove outdated information from my credit reports. However, the information has not yet been updated. I am writing to request updates and corrections to my personal information on file with your company. Please make the following changes to my profile : - Update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
- Correct my name to : XXXX XXXX. 
- My only valid Social Security XXXX is : XXXX. 
- My correct date of birth is : XX/XX/1980. 
- My sole employer is XXXX XXXX XXXX. 

Additionally, I request the removal of all telephone numbers and my employer from my credit report. Please remove all other addresses from my report, as they are not deliverable by the XXXX. Postal Service and are inaccurate according to FCRA regulations.
Consumer complaint received 2024-05-20
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00}
Consumer complaint received 2024-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santander Consumer Agency has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed a Late Payment in my consumer report. 
I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer Agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2015-03-20
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We took out a reverse mortgage in XXXX XXXX with XXXX XXXX who sold to Champion Mortgage loan number XXXX borrower past away in XXXX XXXX and the non-borrowing surviving spouse has been trying to sell the home. In XXXX XXXX Champion sent the estate a payoff demand due to the death of the borrower. Per the terms of the original loan we believed there were 6 months for the sale of the property plus extensions if necessary. 
We sent in our notice of intent as instructed by Champion along with authorization as trustee of the trust. The home was initially listed on the market as for sale by owner. 
We talked to XXXX of Champion on XXXX/XXXX/XXXX after receiving their denial letter of XXXX/XXXX/XXXX. She acknowledged that we had properly complied and everything they needed was in the file. 
On XXXX/XXXX/XXXX we spoke with XXXX of XXXX regarding the letter of XXXX/XXXX/XXXX saying the request was incomplete but did not detail what was missing. XXXX resolved that we indeed current with all documents. 
Champion the letter again on XXXX/XXXX/XXXX yet it was the same request so per earlier conversation with XXXX they had this data. On XXXX/XXXX/XXXX we spoke to Champion and XXXX regarding their letter dated XXXX/XXXX/XXXX. He told us to submit another extension request if needed as the property was now listed with a Realtor and in the XXXX system. Accordingly before the expiration of our first extension we sent another extension request on XXXX/XXXX/XXXX. 
Following our request for the second extension we received a letter from Champion attorney dated XXXX/XXXX/XXXX and spoke with her XXXX/XXXX/XXXX. She was only taking direction from Champion or Nationstar. Not sure if transferred or not. Then we received letter from Champion dated XXXX/XXXX/XXXX denied our extension request as it did not have supporting documents. Earlier they told us they could see the listing via the XXXX so we did not send our listing agreement with the Realtor. Then we receive a notice of default from Nationstar dated XXXX/XXXX/XXXX and a copy of the NOD from the attorney recorded XXXX/XXXX/XXXX. 
Today XXXX/XXXX/XXXX we called Champion to get some resolution as to the extension and XXXX XXXX refused to speak with us as he told us we had not authority on the file. This after we have sent all the data requested, confirmed on several conversations. These guys are bullies trying to maligning the widow of an FHA insured loan whereby they have no additional risk.
Consumer complaint received 2024-05-20
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. (CA)

I recently received a copy of my credit report and discovered several items that I am disputing and requesting deletion. I have included these items in the list for your research. According to the provisions of the Fair Credit Reporting Act 61 l ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re investigated or deleted from my credit record within XXXX  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX. 

Pursuant to the law, 15 U.S.C. 1681 of the FCRA, credit bureaus must properly verify each and every credit entry that is displayed in my credit report. FRCA section 609 ( c ) ( 2 ) ( E ) : states, " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information XXXX outdated under section XXXX or can not be verified. '' Please notify me that the enclosed items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2024-05-20
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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-05-20
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. (NY)

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I identified an account that is inaccurately reporting late payments. I have contacted the company associated with this account, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. 
I would like to point out that other credit bureaus have already corrected this account on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items, and I ask that you investigate this account promptly and make the necessary corrections. 
XXXX XXXX.