davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

I have student loans that were placed on hold during the time of the Covid pandemic. I just recently received three letters from Aidvantage, requesting a payment of XXXX. I made that payment in early XXXX of XXXX. In XXXX, they sent a email to my account on Aidvantage, but I did not receive a personal email from them for the next time, I was supposed to pay. They are now saying that I owe over XXXX because they did not inform me prior to today. Please help me solve this issue.
Consumer complaint received 2024-01-05
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. (NV)

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 by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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. (OH)

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-01-30
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. (NY)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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. (CA)

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$15000.00} XXXX  - XXXX {$5200.00} XXXX XXXX XXXXXXXX {$4600.00} XXXX XXXX XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX - XXXX {$9600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX - XXXX
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (CA)

Negative account name : Unconstitutional For-Profit Company FAMILY SUPPORT DIVISION XXXX XXXX XXXX XXXX CRA ) and Experian ( CRA ) is Improperly reporting late payments without my written permission on the fraudulent account listed above resulting in improper use of my consumer report and violation of my privacy rights. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states that the consumer have a right to privacy. 15 U.S.C. 1681 Section 604a Section 2 it also states that a consumer reporting agency can not furnish an account without the consumers written instructions. Under 15 U.S.C. 1666b ( a ) a creditor may not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (GA)

I reviewed my latest credit report from all three bureaus and asked all three bureaus to ensure all information was accurate and completed according to the fair reporting act. Experian is reporting inaccurate information on my credit report and it has had adverse affect on my XXXXredit score. According to, 15 U.S. Code 6802 states Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given any information regarding this nondisclosure option from XXXX XXXX which is reporting this information to Experian. Acct # XXXX reported on from XX/XX/2017 thru XX/XX/2017, therefore this is a direct violation of this law and my consumer rights.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Subject : Complaint Regarding Mishandling of Credit Card Payment - Reference : XXXX XX/XX/year>XXXX XXXX XXXX  Customer Service Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint under the provisions of the Consumer Financial Protection Act ( CFPA ), specifically under 15 USC 1666b, regarding the mishandling of my credit card payment account with reference to Section 1637b. 

My name is XXXX XXXX, and I am an account holder with XXXX XXXX, with the account number XXXX. 

On XX/XX/XXXX, I made a payment towards my credit card account well within the designated billing cycle and in accordance with the terms outlined in Section 1637b of the CFPA. However, despite the clear provisions of the law stipulating that creditors must not treat a payment as late unless certain conditions are met, I have noticed discrepancies in the handling of my payment by XXXX XXXX. 

It has come to my attention that XXXX XXXX has inaccurately processed my payment, marking it as late and subsequently applying late fees and penalties to my account. This action is in direct violation of the CFPA, which clearly mandates that creditors must adhere to the timelines and procedures outlined in Section 1637b before considering a payment late. 

According to the law, creditors such as XXXX XXXX are required to provide consumers with clear and timely information regarding payment due dates, as well as any changes or updates to these dates. Furthermore, creditors must allow a minimum of 21 days from the date of sending such information before treating a payment as late. 

In light of these violations, I demand that XXXX XXXX rectify the erroneous late fees and penalties applied to my account and take immediate steps to ensure compliance with the provisions of the CFPA moving forward. Additionally, I request a thorough investigation into this matter to prevent similar occurrences in the future and to provide me with a detailed explanation of the steps taken to address this issue. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action as necessary to protect my rights as a consumer. 

I trust that XXXX XXXX will take the necessary steps to resolve this matter expediently and restore confidence in its adherence to consumer protection laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-10
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH 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 my 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 those 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 date. 


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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed some late payments posted on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (AL)

An Equifax rep advised me to fill out this report because unauthorized, fraudulent inquiries showed on my report. Please remove all the unauthorized inquiries from my report. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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. (LA)

XXXX XXXX XXXX XXXX ( {$3300.00} ) it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 USC 6802 requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from the above companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX closed my account it hey reported late payments after the account was closed without my consent, I do not consent to the closure of my account. This is false, misleading, inaccurate and misrepresentation which is a violation of the law. Which has caused my consumer reports and consumer scores to negatively reflect on me.
Consumer complaint received 2024-05-10
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. (IN)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your Cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2018-04-09
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: WELLS FARGO & COMPANY (IL)

I SUBMITTED DOCUMENTATION IN REGARDS TO BEING A VICTIM OF IDENTITY THEFT AND SOME ITEMS HAVE YET TO BE REMOVED/BLOCKED OFF OF MY XXXX  CREDIT REPORT INCLUDING TWO HARD INQUIRIES ( XXXX, MADE ON XX/XX/XXXX, AND XXXX XXXX   MADE ON XX/XX/XXXX ) THERE IS ALSO A WELLS FARGO CREDIT CARD ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE OR AUTHORIZATION. 

( WELLS FARGO BANK CARD ACCOUNT # XXXX, BALANCE {$1300.00} OPENED ON XX/XX/XXXX. )
Consumer complaint received 2024-05-10
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Due to various concerns regarding a lack of fair and accurate credit reporting.Th information being reported has caused damages. I have experienced difficulties seeking new credit. 
The below listed accounts was CHARGED OFF. These accounts has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates In payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

XXXX XXXX XXXX XXXX ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX ( CREDIT CARD ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( AUTO LOAN ) CHARGED OFF DATE : XX/XX/XXXX According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report immediately.

Ive also found inaccuracies in the listed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As stated above According to 15 U.S.C. code 1681s-2 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate.

Furthermore, I'm aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a certificate of financing statement form from Georgia Secretary of State. Search criteria shows no results found for me to pay any financial. As the concerned consumer there shouldn't be debt that does not belong to me reporting on my consumer report.