davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Complaint Contents : This CFPB complaint has been submitted to request that Transunion XXXX the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The following information is deceptive, inaccurate, and false : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Still XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fraudulent inquiries encompass the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX. 

Accounts that are fraudulent include : XXXX XXXX XXXX XXXX acct # XXXX Opened XX/XX/XXXX XXXX XXXX  acct # XXXX XXXX Account number XXXX. Established on XX/XX/XXXX. 
XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Opening date : XX/XX/XXXX XXXX XXXX  account number : XXXX XXXX XXXX  account number XXXX was opened on XX/XX/XXXX. XXXX XXXX account number XXXX was opened on XX/XX/XXXX. Commenced operations on XX/XX/XXXX. 


These accounts have led to the appearance of numerous fraudulent collections, inquiries, and accounts on my consumer FICO credit report. I have included a list of the ACCOUNTS/ADDRESSES/INQUIRIES in question, as well as a copy of the consumer FICO credit report that you maintain, which displays the aforementioned fraudulent items. I am unable to identify the accounts, inquiries, and collections that were previously mentioned. I did not open, make, or initiate the accounts, collections, or inquiries that are listed on my consumer credit report, which is maintained by you. Identity theft and fraud are the causes of all of the aforementioned accounts, collections, and inquiries. I have included a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-10-25
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. (GA)

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 Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
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)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : see attached list To Whom It May Concern, This letter serves as my formal demand to have the charge accounts referenced above removed from my credit report immediately. Your bureau is currently reporting inaccurate and outdated information that is damaging my credit profile, and this is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Facts of the Case : 1. The accounts in question are erroneous and should not be on my credit report. 

2. No 1099-C form has ever been issued in relation to these accounts, which are required when a creditor cancels a debt of {$600.00} or more. The absence of such documentation strongly suggests the debt has not been legally canceled, yet your bureau continues to report this as a delinquent account. 

XXXX. According to FCRA, you are obligated to report only accurate and verifiable information. These accounts do not meet that standard, and thus, its continued presence on my report is illegal. 

I demand that you provide written verification of this debt within 30 days as mandated by 15 U.S. Code 1681i, and remove the account immediately if you can not do so. If this account is not removed promptly, I will have no choice but to escalate this matter further, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action against your bureau for continued violations of FCRA. 

Legal Violations : FCRA 611 ( 15 U.S.C. 1681i ) You are required to promptly investigate and remove inaccurate information from my report. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) Data furnishers are required to report accurate information. As no 1099 has been issued, the accuracy of this reporting is highly questionable. 

Failure to comply with these legal requirements will leave me no choice but to pursue all available legal remedies, including statutory damages for each violation of FCRA, which can result in up to {$1000.00} per infraction. 

I expect to receive confirmation of the accounts removal within 30 days of receipt of this letter. If this demand is not satisfied within the allotted time, further action will be taken. 

Sincerely XXXX XXXX
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (LA)

Date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Nationstar Mortgage XXXX. XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Dear Consumer Financial Protection Bureau : Re : Loan Modification The sole purpose for filing this complaint is due to the amount of interest charged to my predatory loan. I have been unable to modify my loan after several attempts since XX/XX/XXXX. The loan was sold to Nationstar Mortgage and they told me I could modify my loan to lower my payments and prevent my home from being foreclosed. When I proceeded with the loan modification, I was told I owed about {$87000.00}. The loan amount has constantly increased, since my failed attempts to request modification. There are more unwarranted charges added to my loan that I do n't quite understand. I desperately need your assistance, not more debt. I am XXXX and the practices of Nationstar Mortgage and XXXX XXXX XXXX are unethical and aimed at taking advantage of consumers who are experiencing financial hardships. 

Furthermore, I applied for a loan modification with XXXX XXXX XXXX back in XXXX. I fully complied with all request but never got any resolution. So in my disappointment, I was told by a loan specialist with the XXXX XXXX XXXX, XXXX XXXX XXXX they lost my paperwork. Not to mention the fact, XXXX XXXX XXXX has a history of losing paperwork and delaying mortgage loan modifications. I was told there was nothing they could do to re-open my case. After submitting my paperwork again and waiting for the reviews and underwriter to make their decision, I was once again denied the modification because of lost paperwork and offered another forbearance. I am told different explanations each time I call and was actually told that they were awaiting a decision from the underwriters. This is gross negligence on behalf of XXXX XXXX XXXX 's part to avoid modifying my loan with the misplacing of paperwork as a stalling tactic. Then they conveniently transferring my mortgage to Nationstar Mortgage without my knowledge, while I am awaiting a loan modification. This is the reason why I am frustrated with XXXX XXXX XXXX & Nationstar Mortgage and now my mortgage is underwater. I would greatly appreciate your assistance in investigating this matter and remedying the unwarranted affects of foreclosure. 

Respectfully, XXXX XXXX
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. (TX)

All of my personal information was stolen out of my car, I immediately filed a police report and an Identity theft report with the Federal Trade Commission. When I looked at my Transunion credit report I noticed that I had over 43 hard inquiries to places I never applied to. I filed a dispute with TransUnion and submitted the Identity theft report filed with the FTC as well as the police report. Transunion refused to remove the hard inquiries and sent me an email saying that my ID theft reports were not filed with a government agency, basically saying they were fake and refused to remove them.I have been able to get them removed from my XXXX  and XXXX credit report. Transunion continues to give me problems and accuse my documents of being fake. When I called Transunion to dispute those inquiries they told me that Hard Inquiries could not be disputed and were a factual record, even though I had the documents for my identity theft.
Consumer complaint received 2024-06-01
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. (TX)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a banking agreement with Capital one and for over 8 months ( since XX/XX/2022 ) my account has been frozen for unknown reasons. I keep calling but I have not gotten a response. They restricted my account for no reasons at all. I had to loan money to pay my bills, I complained to a friend and they suggested I filed a complaint with CFPB. please help
Consumer complaint received 2023-12-03
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)

On XX/XX/2023 I received an alert from XXXX XXXX XXXX XXXXXXXX XXXX  ), XXXX XXXX, and XXXX I had inquiries on XX/XX/2023. I had just gotten a new I phone because mine had been acting up, so I couldn't check it until I got home. I not only found 2 from XXXX but also another one from XXXX. 
I called the Credit Reporting Agencies ( CRA ) and the card issuers but the card issuers wouldn't tell me anything and the CRA 's said I had get a police report and FTC report and mail them in, which I did.
Consumer complaint received 2024-06-01
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 remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-06-01
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: EQUIFAX, INC. (GA)

15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed!

And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to XXXX if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report.
Consumer complaint received 2023-03-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TX)

I was accepted by XXXX University in 2017 to pursue a degree in the XXXX XXXX 
I requested a student loan from Sallie Mae Bank, the bank opened different loan account with different numbers and each loan has a different interest rate I suppose from ( 7 % to 12 % ). The bank impose setup a monthly amount that kept going up on a regular basis. I contacted the bank several times and explained my situation in terms of high interest rate and financial limitation to handle such burden. I work as a XXXXXXXX  at the hospital and yearly income is less than {$25000.00}. 
At some point they gave me a deal after reviewing my situation of hardship and agreed to lower the monthly payment to {$400.00} with a low interest rate as well. After few months the monthly payment went up to {$900.00} and now they are imposing a monthly payment of {$1000.00} plus. My family is going through a financial hardship as well. 
I already submitted a complaint to the your agency in the past but the Bank keep squeezing me. The amount mentioned above is interest payment only which is intolerable unreal and abusive.
Consumer complaint received 2024-06-01
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-03
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)

My issue is with Transunion, XXXX, and XXXX with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, XXXX, Transunion, and XXXX report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking institution XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.
Consumer complaint received 2023-04-11
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. (OK)

My credit report must have accurate information & my privacy must be used in accordance with the law 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. 
XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX XXXX Original creditor has violated 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 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 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I don't know what happened but there's inquiries that I don't recognize on my credit report. I did not gave anyone my personal information or anything. I want these not authorized inquiries to be removed from my credit report.
Consumer complaint received 2016-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KY)

Our mortgage is current. We make our monthly payments every month, on time or early every single month. NationStar continues to keep not applying our payments despite taking our money every month. Every time that we call them we are transferred and transferred and they keep telling us that theyre working on it, but there is no resolution. We are getting serious default letters when we are making our monthly payments every month. We are at risk of foreclosure come XXXX XXXX, even though Nationstar has been accepting our full monthly payment every month.
Consumer complaint received 2024-06-01
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-25
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting.
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.