davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (MI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is reporting a late payment on XXXX, XXXX and experian on XXXX thats wrong... .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.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (TX)

OnXX/XX/XXXX I mailed notice to close my credit card account and refund my security deposit on an expedited ( with in 7 days ) basis as described on the website.

I received notice from XXXX  XXXX   dated XX/XX/XXXX my letter was received and my account was closed.

Today is XX/XX/XXXX, over two weeks, and I still have not received my security deposit refund.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am disputing the address information reported by XXXX on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I have the right to challenge inaccuracies or outdated information. 
XXXX has not removed an incorrect address, negatively affecting my creditworthiness. Attached is relevant evidence. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX -General Delivery XXXX XXXX MN XXXX
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-21
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. (FL)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-09-11
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-06-21
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. (MO)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (LA)

Upon reviewing my Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2024-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

My federal loans were forgiven for the XXXX XXXX and I filed a school misconduct loan for the private loans held by Navient and they just denied me. They didnt even give me a clear reason why but either way they should not have denied me because that school was fraudulent. If my federal loans have been forgiven why shouldnt the private ones be forgiven too? Its not fair that I have to continue paying for a school that was fraudulent and that was successfully sued by XXXX XXXX.
Consumer complaint received 2024-06-23
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: Byrider Franchising, LLC (NC)

XXXX of 2023 I scheduled a time to come in a view a vehicle I was interested in. I ended up not being able to make it to the dealership to see the car and for some reason there is a hit on my credit when there absolutely should be nothing
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (MD)

Subject : Dispute of Fraudulent Credit Inquiries on my Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. Upon reviewing my credit report from [ credit bureau name ], I discovered inquiries made by companies regarding applications for cars and homes, which I did not initiate. These inquiries are likely the result of fraudulent activity as I have not applied for any such loans or credit accounts. 

I have already contacted the companies listed on my credit report regarding these inquiries. However, they were unable to verify the legitimacy of these inquiries due to discrepancies in the provided social security number, which does not match mine. This reinforces my belief that these inquiries are indeed fraudulent. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into these fraudulent inquiries and their immediate removal from my credit report. Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation I have obtained from the credit reporting agencies and the companies in question. 

I request that the FTC investigate this matter promptly and inform me of the actions taken to rectify these fraudulent inquiries. Please provide me with any necessary forms or instructions to complete this dispute process effectively. 

Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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. (FL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$6000.00}
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eaton Group Attorneys LLC (LA)

On or around XX/XX/2024, I disputed the validity of the debt and requested verification. Specifically, I asked for the original account-level documentation, the purchase agreement or contract, and proof that the statute of limitations on this debt has not expired. 

Instead of providing the requested information, Eaton Group Attorneys LLC responded with documents that are inadmissible and insufficient for validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Correspondences related to this matter are attached.
Consumer complaint received 2024-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I took out private student loans from Sallie Mae from approximately XXXX. Because of the monthly payments once out of school, I would go into forbearance for XXXX year at a time. When I would come out of forbearance, interest only accumulated each time, so I would continue to do the forbearance option year after year. My loans have now snowballed. There was even many periods where I would do the income driven payment plans, so have paid tens of thousands of dollars back already. My balance today is around {$110000.00} at XXXX, where I believe Navient hold the loans, which previous to Navient I believewas Sallie Mae. I did consolidate federal and private loans all together with XXXX in 2021, but it has done nothing but hurt me and limit my options. I honestly need this entire balance XXXX and out of my life. It is ruining my life. Continuing to send me $ XXXX {$10000.00} checks without having to show proof of what the funds are needed for from XXXX while only XXXX years old is criminal and predatory.
Consumer complaint received 2024-06-21
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (MD)

The most recent incident is XX/XX/XXXX. Freedom Mortgage received my house payment XX/XX/XXXX. THey only credited {$100.00} and listed the remainder as pending. Today, they have sent my ex-husband ( not me ) a statement that I am two months behind on payments.

When I check the online record, it says the remainder of my account is pending and has not been credited. It also states that payments are not late until the XXXX of the month. 

Also, after repeat requests to send me statements, phone calls, etc,,, they continue to contact my ex-husband. I live in the property ; I make the payments. 

I also noticed that they are doing some sort of maintenance this weekend, and are not available. 

THis has happened multiple times in the last year, and appropriate credit of the accounts has been an issue for longer. It seems they are delaying payments to generate late fees. OR, they are trying to force me to refinance at a higher rate.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (OH)

practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (GA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX, am submitting this cfpb Complaint concerning the gross. Reporing of inaccurate account information, From the three major credit agencies XXXX, Trans Union , LLC and XXXX XXXX XXXX. Under the FCRA, its states information reported must be 100 % accurate. This is not the case with almost 100 % of consumers credit files are filled with inaccurate information, In reveiw of my consumer files you can see the errors, that shows the inaccuracy. Across, the three credit reports from the three credit agencies. Under the FCRA, 15 usc 1681 my federal rights have been violated. Over and over again in disputing process, of the inaccuarate informatio being reported. 

Under 15 USC 1681, my rights have been violated by XXXX XXXX Acct # XXXX. Under these federal statues XXXX has violated my rights under secttion : 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigation of disputed information.

15 USC 1681i- Procedure in case of disputed Accuracy.

15 USC 1681b- Permisssible purposes of consumer reports 15 USC 1681- Cogressional findings and statement of purpose 15 USC 6802- Obligations with respect to disclosures of personal information 15 USC 1681 ( e ) -Compliance Procedures Under listed above statues under the FCRA, my rights have been violated. In the procss of disputing a request for reivestigation. I did not get any investigation resutts, back from my request. I was never got a notification at all within the 30 days mandated period. 

Thus, causing another federal staue violation 15 USC 1681n and -Civil Liability for noncompliance 15 USC 1681o- Civil Liability for negiligence noncompliance. Under these statues I am submitting this complaint for the willful noncompliance to any of these statues violations. 

In the filing of this complaint, it is my intent to take civil actionsas a result. Of the actions of XXXX XXXX,, for the violations listed, and noncompliance in being compliant. Also Civi actions against the credit bureaus for no doing their do diligence in asssuring that the reinvestigation was conducted.