davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (CT)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT. DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX XXXX XXXX  XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

ACCOUNT BALANCE IS {$7500.00} AND I NEVER KNOW ANYTHING ABOUT THIS CARD.
Consumer complaint received 2024-05-28
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. (NJ)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (AZ)

I looked at my credit report XXXX, XXXX 2024, I noticed some things that are incomplete and not accurate. According to the Fair Credit Reporting Act, 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 sent a letter to Equifax asking them to reinvestigate the completeness and accuracy of my accounts below, XXXX  XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) Capital XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) Capital XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XXXX  XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate )
Consumer complaint received 2020-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In XX/XX/2019 I ask for a credit report form transunion and XXXX  company to see how my credit score was to apply for a student loan ; and I see a discrepancy with 2 of my student loans with XXXX   department. It show that I had a 90 days late payment history for XX/XX/2019 period. That was impossible because those accounts were on deferred period by that time. Since the deferment was ending I ask for a new one and It was approved by XXXX. I submit all the evidence needed to XXXX and they fixed ; however Transunion did not the same. I submit a complaint again with the credit bureau explaining the above including evidence ; and at the end they fixed the error ; so I could get my student loan. When I get the updated credit report on XX/XX/2019 they fixed the error with the help of the complain I filled that time through the credit bureau. 

However, in my last update of credit score with XXXX XXXX, where they use transunion credit report it showing the same mistake after they had fixed last year. So I'm filling a complaint one more time to see if the credit bureau can fix that error for once. Because the discrepancy is there even when the last credit report doesn't show it. Even XXXX   show that all my history payment is good.

Hope you can solve it because my credit its been affected by that error.
Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TN)

National Credit Systems is reporting fraudulent information on my credit report. I did not sign any renewal agreement with the rental property listed on my credit report. I have never been notified of the debt, and I have disputed the matter. The dispute was closed and the credit reporting agencies have simply listed that I disagree. My co-signer, at the time, reached out to inform me that the property I used to live in sent a balance to collections. She then requested they verify the debt. National Credit Systems sent my co-signer an itemized breakdown of the balance owed. Our rights have also been violated in requesting verification of the alleged debt. Based on 1006.34 ( c ) ( 3 ) ( v ) - They did not provide any documentation showing that I signed a lease with the property listed. They did not provide any information on how to dispute the matter, and they did not provide insight on the appropriate address to send disputes to. They also did not provide insight on how to request the original-creditor information electronically. This validation was sent electronically in 2019!! It has been a horrible experience to have my information stolen and misused by a property. Please help! National Credit Systems has failed to provide accurate information and I really need assistance in resolving this matter!
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

It is so distressing when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I want to emphasize that this complaint is not sent in error nor a mistake. Upon thoroughly checking my credit report, I found out that it is full of inaccurate information and not guaranteed to be the maximum possible accuracy. My rights as a consumer is being violated and it is affecting me negatively in ways you can not imagine, hard times are upon me and it would be a big help if these wrong information are corrected or removed.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Account XXXX XXXX XXXX  is reporting inaccurate. ( FCRA ) state that all account information needs to be 100 % accurate. Equifax said my account was accurate and verified. I will provide proof of equifax ( FCRA ) violation. Account ending in XXXX XXXX XXXX  first delinquency date is not XX/XX/year>.
Consumer complaint received 2024-09-19
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. (FL)

I AM A VICTIM OF IDENTITY THEFT UNDER LAW 605B ALL FRAUDULENT ITEMS MOST BE BLOCKED AND REMOVED. THE ATTACHED PAPERWORK SHOWS ALL FRAUDULENT INFORMATION IN DETAIL, PLEASE READ FTC REPORT
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/2019 a monthly transfer to my wife account was not credited. When complaining to the Bank they instructed me to make the transfer again for a different amount. Next day both transfer had been credited to my wifes account and my account showed insufficient funds, to cover monthly payments to my creditors. 
Eventually the bank recognized the error and credited my account with the fees charged for insufficient funds, but the error impacted negatively my credit score that was lowered from the mid high 700 to the mid 600. 
This part of my complaint was ignored by the Bank.
Consumer complaint received 2024-09-22
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. (AZ)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a hard inquiry from XXXXXXXX XXXX  on XX/XX/XXXX ; a hard inquiry from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; a hard inquiry from XXXX XXXXXXXX on XX/XX/XXXX ; a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX ; another hard inquiry from XXXXXXXX XXXX on XX/XX/XXXX ; a hard inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX ; a hard inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX ; and a hard inquiry from XXXX on XX/XX/XXXX. 

The inquiries have resulted in fraudulent hard inquiries appearing on my consumer FICO credit report. I have listed these inquiries that are on the report that is being maintained by you. I do not recognize the aforementioned inquiries as reported. The aforementioned inquiries appearing on my consumer credit report that is being maintained by you was not opened, made, or initiated by me. The aforementioned inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The economy is bad but so is my credit report and scores which are much way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint regarding inaccurate late payment entries on my credit report. Upon careful review of my payment records, I discovered these erroneous late payments listed, despite my accounts being current. Over 30 days ago, I submitted correspondence disputing these entries and requesting validation, but regrettably, I have not received any response or satisfactory resolution. I am respectfully seeking your prompt assistance in resolving this issue.
Consumer complaint received 2024-05-28
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Trans Union XXXX XXXX XXXX XXXX XXXX, PA. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX ( Correct Names ) Address XXXX XXXX XXXX  XXXX XXXX, MD XXXX ( Correct Address ) With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-28
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. (VA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (NC)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2020-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PR)

I currently have student loans which where in default and entered into a rehabilitation program. For reasons I still can not understand, I was forced to perform the 10 month rehabilitation program for two times because the program did not debit a payment and stated that I allegedly did not qualify and did the process again. 

I have been repaying my student loan for a couple of years in a direct repayment program and my balance is almost the same. I also noticed that the principal amount of my student loans are as follows : XXXX   XXXX  with Owner : XXXX XXXX : PHEAA Original Balance {$25000.00} Principal Balance {$32000.00} an increase of {$7200.00} Original Balance {$30000.00} Principal Balance {$39000.00} an increase of {$8600.00} Between these two loans there there is an increase in principal of {$15000.00} and I have been paying over $ 400 monthly during the past couple of years via a direct repayment program. 

Why is the principal so high and an additional {$15000.00} and besides that is has not increased after having made a couple of years payment. 

Please assist in how to proceed, options and assistance. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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. (NC)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Speaking with XXXX XXXX XXXX XXXX XXXX Department at TRANSUNION whom promise accounts would be updated and removed from credit report. She admitted information was wrong and still stated the issue would taken care of. Reporting wrong information and not the full faith and credit is discrimation to me under 15 USC 1602. 
The CFPBs actions to secure a {$24.00} million payout for illegal debt collection practices demonstrate its robust role in enforcing consumer protection laws. Through rigorous investigation, legal action, and settlements, the CFPB seeks to remedy violations, deter future misconduct, and ensure that consumers are treated fairly and lawfully.
Consumer complaint received 2024-05-28
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. (MO)

Sent first letter to Transunion on XXXX XXXX and it was delivered and signed for by Transunion on XXXX XXXX. Never received a response so I then Sent a second Letter on XXXX XXXX and it was delivered and signed for by Transunion on XXXX XXXX. I then sent a third letter on XXXX XXXX. Regarding this XXXX XXXX account number XXXX XXXX XXXXXXXX ... .This is really stressing me out because not only have I been denied credit because of the negative account. It is reporting inaccurate and I really want them to make this a priority because it is causing damages to my score. Causing me stress and many sleepless nights. I am also attaching proof of them receiving my letter. I am also attaching a copy of the letter that I sent them.
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (MA)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.