davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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. (TX)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-12
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. (HI)

] Subject : Notice of Data Breach and Intent to Pursue Litigation Dear Credit Bureau 's I am writing to formally notify you of a significant data breach that has affected me and potentially compromised my personal and financial information. As a result of this breach, I have suffered damages and incurred expenses that I believe are attributable to your organization 's failure to adequately protect my data. 

My SSN, Personal Information was Compromise data Beach should be removed in 24 hours.

Despite your legal obligations to safeguard sensitive consumer data under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, it is evident that your organization failed to implement adequate security measures to prevent unauthorized access to my personal information. This failure has caused me significant harm, including [ list any damages or expenses you have incurred as a result of the breach ]. 

Given the seriousness of this matter and the extent of the damages I have suffered, I am hereby notifying you of my intent to pursue litigation against your organization to seek redress for the harm caused by the data breach. I believe that your negligence in protecting my personal information constitutes a violation of my rights under the FCRA and other relevant statutes, and I am prepared to take legal action to hold your organization accountable for its actions. 

Please be advised that I expect your full cooperation in resolving this matter promptly and amicably. However, if a satisfactory resolution can not be reached through negotiation, I will have no choice but to pursue litigation to protect my legal rights and seek appropriate compensation for the damages I have incurred. 

I urge you to take this matter seriously and to provide a prompt response to this letter. If you require any additional information or documentation from me regarding the data breach or the damages I have suffered, please do not hesitate to contact me at the phone number or email address provided above. 

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

Sincerely,
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just recently looked at my credit report XX/XX/year>, and I saw some hard inquires that did not have permissible purpose. I also attached evidence. 

[ XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-05-12
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. (DC)

In accordance with the Fair Credit Report act.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : Child SPRT Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 602 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 XXXX  than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-12
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. (PA)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account ls hurting my ability to obtain credit. it is my understanding that you will investigate these item for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
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)

Subject : Resolution of Identity Theft-Related Derogatory Accounts on My Credit Report Dear Sir/Madam, I am writing to seek assistance in resolving the issues related to the derogatory accounts on my credit report, which are a result of identity theft. The following actions would be fair and necessary to restore my credit profile and prevent further financial harm caused by the fraudulent accounts : 1. Complete removal of the fraudulent accounts from my credit report to eliminate any negative impact on my credit score.

2. Correction of any errors or inaccuracies in the reporting of the accounts by the creditors to ensure accurate information is reflected. 
3. Issuance of a formal statement from the creditors acknowledging the fraudulent nature of the accounts and confirming their closure.

4. Assurance from the creditors that no further unauthorized accounts will be opened in my name to prevent future incidents of identity theft.

5. Reimbursement or adjustment of any fees or charges incurred as a result of the fraudulent accounts to alleviate any financial burden on me.

6. Clear communication to the credit bureaus regarding the resolution of the disputed accounts to ensure accurate reporting moving forward and to prevent any reoccurrence of similar issues. 

These actions are essential in restoring my credit profile, protecting me from further identity theft-related harm, and ensuring fair and accurate credit reporting. 

I kindly request your prompt attention to this matter and appreciate any assistance you can provide in facilitating the resolution of the identity theft-related derogatory accounts on my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

Completed trial modification payment XX/XX/2021 amount {$1900.00} Remitted XXXX mortgage payment XX/XX/2021 amount XXXX Requested a fixed mortgage term for 30 years, but received final modification agreement that consist of a balloon mortgage. I did not have a balloon note mortgage prior to the modification. I do not want a balloon mortgage. Per XXXX XXXX customer service I was told to resubmit my request to correct balloon note to a fixed mortgage terms. Received a denial letter stating to many credit inquires and the credit scores were low. Mortgage assistance is not suppose to be based on your credit per the mortgage assistance guidelines. As of XXXX I have resubmitted mortgage assistance request with financials for the XXXX time. Please process request. XXXX XXXX Thank You
Consumer complaint received 2024-05-12
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. (DE)

I have pulled my most recent credit report and I've noticed a few unauthorized inquiries. According to the FCRA ( Fair Credit Reporting Act 605b & 609 ), legally all unverified and unauthorized items must be removed within four days. I have never opened an account or received any goods, money or credit from the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Kindly either remove the specified inquiries or furnish evidence of a legitimate contract, agreement or application.
Consumer complaint received 2024-05-12
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)

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that has been reported for over seven years. The account in question is with XX/XX/XXXXand was reported on XX/XX/XXXX. The details of the account are as follows : - Account Holder : XXXX XXXX XXXX - Reported Balance : {$2800.00} - Credit Limit : {$1300.00} - Type : Credit Card - Status : Closed - Remarks : Charged off account, Account previously in dispute - Now resolved by data furnisher - Responsibility : Individual Account - Payment History : Only XX/XX/XXXX of payments made on time - Last payment : XXXX XXXX, XXXX I dispute the accuracy of this information and assert that the reporting of this account exceeds the permissible seven-year reporting period under the Fair Credit Reporting Act ( FCRA ). As such, I request that XXXXXX/XX/XXXX promptly remove this account from my credit report. 

The FCRA states that derogatory accounts, such as charged-off accounts, should be removed from a consumer 's credit report seven years from the date of the first delinquency that led to the charge-off. Given that the last payment on this account was made on XXXX XXXX, XXXX, the account should have been removed from my credit report by XXXX XXXX, XXXX. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. Specifically, I request the following : 1. Verification of the reporting period for the account in question.

2. Removal of the account from my credit report if it has been reported for more than seven years.

3. Correction of any errors or inaccuracies in the reporting of the account. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the correction of any inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-04
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 — Investigation took more than 30 days
Company: AES/PHEAA (NC)

I experienced a medical emergency that created various hardships and was unable to submit my IDR plan information. I contacted my lender, AES in XX/XX/XXXX to discuss options and notify them that my re-certification paperwork would be late. They advised there was no longer COVID relief assistance available. I asked about additional options and was told there weren't any available. My loan went into default and was reported as being late for 2 months. I continued to call them to discuss options to no avail.

The last email I received regarding COVID  relief options from AES was received on XX/XX/XXXX. However ; they stated the relief offer ended in XX/XX/XXXX - I called prior to this date. One of the main items is that AES did not offer me the option to Consolidate my loans. This would have temporarily paused my loans and. Allowing them not to be reported as late and given me time to set-up other options. I have called to work with AES tirelessly from XX/XX/XXXX- XX/XX/XXXX to no avail. I have also submitted two credit report disputes to AES.

My issue is that I was not offered COVID relief options nor Consolidation. All options were to be provided and they were not. 

The desired resolution would be to have all late payments/delinquency reported to the credit agencies removed as all options were not provided to me as the loan borrower. All options should have been recommended so I could consider them and decide what was best. This was a servicing error on the part of AES and the delinquency should be removed from my credit report for all agencies. 

Thank you for your assistance.
Consumer complaint received 2020-07-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I recently sent out a letter on XX/XX/2020 to Experian to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my knowledge, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OK)

See attached reply that never resulted in obligated error corrections to inaccurate highly damaging false claims of late payments and in damaging false claims of amounts received to pay for a false claim of XXXX late fee payments after the sale of my home. This complaint is not duplicative, and is causing me financial and legal damages currently as of XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : aCCONTS NAME : XXXX Accounts number XXXX [ enter late payment date XXXX XXXX [ enter late payment date XX/XX/XXXX [ enter late payment date XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely,
Consumer complaint received 2024-09-02
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. (MD)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Okay you want to play the id game? Acting as though I haven't sent you my copies of ID repeatedly over the last 18 years. This time, because of the cfpb I will have documentation that I sent you copies. 

You can also watch this video. It's posted on multiple sites. I am tired of your games. 

XXXX XXXX XXXXXXXX You might have to copy and paste I don't know if there's a hyperlink available on this. 

XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just recently looked at my credit report XX/XX/year>, and I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

[ XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXXXXXX  Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I wish to dispute information that appears on my credit report for Account number XXXX. This account has been reported as 120 days delinquent as a result of late monthly lease payments. Upon thorough investigation on my part, this is not true. I have documented evidence in the form of bank account transactions that prove that I was not 120 days delinquent on monthly lease payments. I would like to add those documents to this complaint, however, the file is much too large to include online and would have to be mailed. The fees that are being reported are for overage charges that occurred after the lease period ended. The company did not notify me that there would be a negative credit report due to overage fees. In addition, the company continued to allow me two additional leases for 7 years and marked the account as closed. 

Due to current negative credit reporting, regardless of the closure of the account, not notifying me of the adverse credit reporting, and the payment of fees, the actions of the company has resulted in a negative effect for any future loans that I may be seeking to secure with any other company.
Consumer complaint received 2024-05-12
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)

I got 4 unknown credit inquiry s on my report 3 are from XXXX who I don't know or was I offered credit from on my report on XX/XX/XXXX XXXX XXXX and one from XXXX XXXX XX/XX/year> which I didn't make or receive a card from and I would like these deleted from my report