davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-05-24
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. (MA)

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SIX ( 6 ) LATE PAYMENT ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE ALL PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. THANKS
Consumer complaint received 2024-05-24
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. (IL)

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 2024-05-24
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-11-24
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. (KY)

I tried to apply for a credit card and received many inquiries. 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 instruction. 
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 2023-10-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HW Holding, Inc (TX)

While in the process of trying to rent another apartment I ran into a problem with my credit history on an item from Hunter Warfield that has already been paid off however was never removed from my report, and now it is impacting me to secure a new apartment. Attached is a receipt of payment from the company that I paid out in XXXX. There is no reason for this to still appear on my report
Consumer complaint received 2024-05-24
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. (OH)

I am writing to formally dispute the following items on my credit report. I have reviewed my report and found several inaccuracies that I believe should be corrected. The details of the disputed items are as follows : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-08
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: EQUIFAX, INC. (FL)

HELLO I ALREADY DISCUSSED AND TREATED TO COMMUNICATE WITH YOU BY TELEPHONE AND I DO NOT GET IT I WAS SEEING MY CREDIT INFORMATION AND I SEE MULTIPLE INQUIRES THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION STOLE MY IDENTITY
Consumer complaint received 2024-07-09
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. (IN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
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. (AL)

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 2024-05-24
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)

PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I was promised concert tickets so I sent the money via XXXX. Never got the tickets and have proof of the promise of tickets and my bank is unwilling to help get my money back because they say I did authorize it. Which yes I was stupid and fell for a scam but there should be no reason I can not get my money back
Consumer complaint received 2024-06-22
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-24
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. (MS)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

I called numerous times and was on hold for over XXXX hours and then disconnected. Nelnet is completely overwhelmed and unable to service the student loan repayment process. 
I have parent plus loans for XXXX of my children after starting the process 3 months ago I finally the last group of loans paid off. Unfortunately, XXXX sent the payment to them USPS and its apparently lost. I'm responsible for a payment and interest due today, my son who refinanced it via XXXX has a payment due on XXXX. 
As the agency assigned to many student loans, Nelnet is a complete failure. Everyone was aware this was coming and the fact that they are completely overwhelmed and unable to function is a huge failure that thousands of students are suffering with now. 
I don't feel I and my son should pay interest on money that apparently both agencies are unable to find.
Consumer complaint received 2024-05-24
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 am lodging this complaint on my own behalf. Upon scrutinizing my credit record, I uncovered instances of late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I respectfully seek your aid in rectifying this issue.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX, AND EXPERIAN ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT RTEPORTS. ATTACHMENTS OF FTC REPORT AND OTHER DOCS. SHOWING THE FRAUD.
Consumer complaint received 2024-05-24
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)

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 2024-05-24
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-24
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. (AL)

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 2024-05-24
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)

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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So I called XXXX through the US DEPT OF EDUCATION & was told that they dont remove things from credit reports but they still somehow falsely report to them though. Im a 100 % XXXX vet & I got my XXXX  loans paid off in XXXX of this year. On credit apps & other credit reporting websites, its still showing as a balance, which it shouldnt. Not only should it not show that information, but the loan borrowing dates are incorrect & these loans are over 7 years, so they should also be off of my account for that reason as well.
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CICA Collection Agency, Inc. (PR)

The complaint is against one of the Telephone/Internet companies in PR ( XXXX ). 
The service was cancelled on the XX/XX/XXXX due to bad service ( various reports of interruption in the service, delays in follow up and time the repair job was coordinated and completed and the charge for a service was not given ). 
Even though all those issues, I had to wait until the end of the contract to cancel the service. Due to the fact that I signed for a service that I never received. That is, I extended the contract agreement to have an upgrade in the internet velocity to find out the service was not available to the area of residence. So, I had to wait on a contract to expire when the service was not provided. 
The service was cancelled on the above mentioned date and I remember asking the Account Representative to give me the ending balance as of that day. I asked her if she could do that and agreed upon the final payment. The payment was done and the Service Cancellation - Client Receipt was issued. 
To my surprise I received a letter stating that I had a debt for {$23.00} from the internal collection agency of XXXX ( CICA Collection Agency , Inc. ) dated XX/XX/XXXX. Called XXXX and was told that the debt came after a final audit. What audit do they need when you can see all the records online? Besides, that was something worked at the time of cancellation, not otherwise. 
Where do I raise the flag and think about this being a fraudulent tactic and something to bring to the attention of the authorities and for an audit not only of my account but other accounts? 
When in a conversation with other office workers at lunch they told me they had a similar issue once they cancelled the account and something like {$23.00} was the amount owed after a final audit. Since it was a small amount the paid it and forgot about it. 
Once again, I am convinced the charge is not a valid one, more so, is a fraudulent one requiring an investigation.
Consumer complaint received 2024-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I attended XXXX XXXX between XXXX XXXX 
Department of education in the process of discharging all of my federal student loans from XXXX XXXX for fraudulent findings. 
Navient will not discharge my private student loans even though XXXX XXXX shut down for fraudulent activities. Also my private student loans was not included in the XXXX state Navient settlement even though my original servicer was XXXX XXXX and they sold my loan to Navient. Navient need to discharge my loan I Continue to get hit with delinquents on my credit report causing me denial when I tried to refinance my home for the second year
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Fay Servicing, LLC (CA)

I filed a XXXX XXXX XXXX XXXX which got rid of my XXXX mortgage and restructured the XXXX mortgage. In XXXX or XXXX this zombie XXXX mortgage popped up as Fay Servicing and said I owed them {$120000.00} and they were foreclosing on my house. I called my XXXX mortgage company they said it was a scam. I called the agency that did the bankruptcy filing and they said it was a scam. Then I received the foreclosure paperwork and I verified that the XXXX mortgage company can foreclose on my home so I paid the payment which should have covered the total amount {$67000.00}. Not knowing that they violated XXXX XXXX part of the Truth In Lending Act. I didnt receive any statements from Fay XXXX interest attached to the mortgage or anything until I received foreclosure notice. The loan has been transferred to XXXX XXXX XXXX XXXX. I believe I was duped out of my life savings by this zombie XXXX mortgage which was wiped out when I filed bankruptcy.
Consumer complaint received 2024-05-24
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)

Personal Statement for CFPB Complaint Subject : Complaint Against TransUnion for Failure to Provide Verification Details Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to provide verification details for an account that was allegedly electronically verified by a creditor. 

Details : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : TransUnion Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Issue : I previously disputed the XXXX XXXX XXXX XXXX XXXX ) account on my credit report, which was initially removed. However, TransUnion has since reinserted the account, claiming it was electronically verified by the creditor. Despite multiple requests, TransUnion has refused to provide any documentation or details about this verification process. 

This lack of transparency and refusal to provide verification details is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to be provided with a detailed explanation and evidence of the verification process if an account is reinserted into my credit report after a dispute. 

The reinsertion of this account without proper verification has significantly impacted my credit score and caused considerable stress. The lack of response from TransUnion and their failure to provide any documentation raises serious concerns about the accuracy and fairness of my credit report. 

Requested Resolution : Immediate and Permanent Removal : I request the immediate and permanent removal of the unauthorized XXXX XXXX XXXX account from my credit report. 
Detailed Explanation and Documentation : I request a detailed written explanation and documentation of the verification process that TransUnion claims to have conducted. 
Future Assurance : I seek assurance that such issues will not occur in the future, and that TransUnion will comply with their obligations under the FCRA to provide transparent and accurate information. 
I appreciate the CFPB 's assistance in resolving this matter and ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX