davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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. (PR)

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

XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2020-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I originally disputed this collections from Enhanced Recovery and they were removed. I disputed the addresses, my name, my social security number and the dates. Enhanced Recovery removed them then put them back. Then they sent me a paper that they removed them but wanted additional information but also said it was not necessary and it wasn't an attempt to collect.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I made an international wire transfer to my brother in XXXX XXXX weeks ago. For some reason, Bank of America put a hold on this transfer. I called customer service five times during the last two weeks. Every time I call, they tell me that there's a hold on the transfer because they need to confirm some information about me and the recipient. I gave them the information, and every time I am told that it will take only 1-2 days to review the provided information and lift the hold. This never happened, and I end up calling them again and repeating the same cycle!
Consumer complaint received 2024-06-18
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've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to you concerning the compromise of my social security number. I have become a victim of Identity Theft. I have already contacted the Federal Trade Commission and lodged a complaint with reference number # XXXX attached, as well as reported the incident to the police department. Kindly block and delete all the information related to my credit report and send me an updated copy of it. 
result of unauthorized fraud : 1. The following account is not mine XXXX XXXX Account Number : XXXXXXXX This is not mine. I am a victim of ID Theft. Please investigate and remove from my credit report
Consumer complaint received 2018-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Mortgage Company will not grant me a modification, i was Willed my grandmother s house, and have all the proper paperwork to show I should be entitled to the modify the loan, so i will not lose my the family home, i have submitted the Modification package
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last month i found out my cousin XXXX XXXX stole my information and opened several loans and accounts under my name. He has since fled to his hometown in XXXX. I need help getting things right.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to have the following information removed from my credit file, the items that need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts anf inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft to the federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. An FTC report has been summited and is attach to this complaint.
Consumer complaint received 2024-06-17
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. (IN)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-17
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. (NJ)

On XX/XX/2024 I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/2024. My ftc report # XXXX. I have only 1 current address beginning with XXXX XXXX all others should be deleted as they are not mine and have been at that address for 5 years.. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : 1. XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX XXXX 4.all XXXX XXXX 5.alXXXX XXXX XXXX accounts As well as the following inquiries made in my name need to be removed : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX & XXXX XXXX 6 ) XXXX XXXX, XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XXXX XXXX 10 XXXX XXXX XXXX  XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX ) XXXX XXXX XXXX 15 ) XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX 21 ) XXXX 22 ) XXXX 23 ) XXXX XXXX 24 ) XXXX 25 ) XXXX XXXX 26 ) XXXX 27 ) XXXX XXXX 28 ) XXXX XXXX 29 ) XXXX XXXX 30 ) XXXX XXXX 31 ) XXXX XXXX  XXXX
Consumer complaint received 2024-06-17
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)

1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX : ACCT # XXXX, 3 ) XXXX XXXX  XXXX : XXXX, 4 ) XXXX : XXXX Has violated my rights. 

15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( 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 Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tally Technologies (FL)

On XX/XX/year>, I discovered that I had multiple inaccuracies reported on my credit report by Tally Technologies. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/year>, I sent formal dispute letters to XXXX, including reasons to support my claim. XXXX has yet to correct the information, which continues to negatively impact my credit score. 

I have also sent formal dispute letters on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to investigate and correct these inaccuracies. Over the course of six months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-18
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. (PA)

It seems that FCRA 605B obliges us to eliminate incorrect accounts from my credit report. Could you review the documents? Some accounts have been inaccurately reported, with errors in amounts and dates.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in on those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-02
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. (FL)

Iv'e tried contacting the credit reporting agencies multiple times about this situation and nothing has been done to further assist me or resolve it. This has been affecting me in my personal life and it has been hectic having to go back and forth with the companies about helping me. This information reporting on my account is unauthorized. Please, resolve this situation immediately.
Consumer complaint received 2024-06-21
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXXXXXX XXXX Balance : {$7600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my new credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute accounts and inquiries on my credit report. I discovered several accounts and inquiries that are not related to any transactions I have made. This indicates potential identity theft..
Consumer complaint received 2024-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I XXXX  from XXXX XXXX XXXX in XXXX. I have applied for a Borrower Defense to Repayment for loan forgiveness. Currently I have not heard anything regarding the status of this loan forgiveness application. I have also emailed Navient requesting their Navient school misconduct discharge application XX/XX/XXXX with no response from them.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (LA)

I was offered money to put a XXXX decal on my car. The check ( over {$2500.00} ) came in the mail with a list of instructions to do with the money, the first being to text XXXX XXXX. 
XXXX then said to deposit the check and let him know when it cleared I woke up the next day to a text from him saying that the check had cleared and to send two Payments through Zelle for the amount of {$990.00} each to XXXX ( XXXX XXXX ) and the other to XXXX ( XXXX XXXX ). 
So I did what XXXX XXXX said and sent the money on XX/XX/XXXX and it seemed legit. 
He said someone would be at my house to install the Car wrap on Monday XX/XX/XXXX. 
I tried calling XXXX XXXX multiple times and the phone line eventually said that the number was no longer in service. I checked my bank account and the check was put on hold as of XX/XX/XXXX. My account is now negative because of the fraud check so I reached out to XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX in XXXX Wisconsin to ask if they work with the XXXX XXXX XXXX. 
The president of the company is on vacation and wont be able to get back with me until Wednesday XX/XX/XXXX, but the XXXX XXXX told me they currently have an open investigation to find the suspect. 
I called my bank ( XXXX XXXX ) and filed claims but they can not do anything until the situation is resolved.
Consumer complaint received 2024-06-17
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. (PA)

It appears that FCRA 605B requires us to delete any inaccurate accounts from my credit report. Can you verify the documents? Some accounts have inaccuracies in the reporting, such as wrong amounts and dates.
Consumer complaint received 2024-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I HAVE ONE REMAINING STUDENT LOAN. THAT LOAN QUALIFIES AND IS ELIGIBLE FOR FORGIVENESS UNDER PUBLIC STUDENT LOAN FORGIVENESS. FEDERAL STUDENT AID HAS SENT ME A LETTER DATED XXXX INDICATING THAT THE LOAN IS ELIGIBLE AND QUALIFYING FOR FOGIVENESS. THAT LETTER GOES ON TO STATE THAT MY SERVICER, MOHELA, WILL DISCHARGE MY LOAN IN 30 DAYS. THEY HAVE NOT DISCHARGED THE LOAN AND IT'S NOW XXXX. I HAVE SUBMITTED NUMEROUS COMPLAINTS TO BOTH AGENCIES WITH NO RECOURSE. MOHELA CLAIMS THEY NEVER RECEIVED THE LETTER, AND WILL NOT TAKE ANY ACTION UNLESS THE LETTER COMES DIRECTLY FROM FEDERAL STUDENT AID. FEDERAL STUDENT AID SAYS THE NATIONAL LOAN DATABASE HAS NOT SENT MOHELA THE INFORMATION BECAUSE IT CAN TAKE 90 DAYS DESPITE THE LETTER SPECIFICALLY STATING 30 BUSINESS DAYS. ALL THESE COMPANIES DO IS POINT THE FINGER OF RESPONSIBILILTY WITHOUT RESOLVING THE PROBLEM. I WANT MY LOAN FORGIVEN IMMEDIATELY. I WANT THESE COMPANIES TO FACE PENATLY FOR PROVIDING MISINFORMATION TO BORROWERS. I WANT MY LOAN FORGIVEN IMMEDIATELY.
Consumer complaint received 2024-07-26
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. (FL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX