davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just recently looked at my credit report XX/XX/XXXX and saw some hard inquiries that did not have permissible purpose. 

1.XXXX  XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 2.XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 3XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 4. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 5.XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 6.XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 7.XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 8XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 9XXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 10.XXXX  XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 11.XXXX  XXXX VIA DEALER XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 12XXXX XXXX  XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 13XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 14.XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX - 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. (FL)

My account with XXXX XXXX XXXX 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 60 days 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 8
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (VA)

Payment made to PayPal for {$250.00} in XX/XX/2022. I made an error and typed the account number as XXXX XXXX vs XXXX. Despite XXXX faxes to PayPal from my bank of the check which is endorsed by Synchrony Bank and more than a dozen conversations by myself with PayPal personnel/customer service representatives XXXX I can not get payment credited to my account. Their accounts receivable and payable department is woefully inept.
Consumer complaint received 2024-07-30
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-07-30
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-07-30
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)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
XXXX. XXXX  XXXX - Account # XXXX XXXX. XXXX  - Account # XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-30
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. (MO)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.
Consumer complaint received 2024-07-30
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)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Consumer complaint received 2024-08-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Credence Resource Management : I am writing to formally dispute inaccurate information reported on my credit report by Credence Resource Management. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety, the collections account in question is reported by Credence Resource Management and appears on my credit report with the following details : reported on XX/XX/2024, with a balance of {$110.00}. The account status is listed as " Open, '' with a highest balance of {$110.00}, and is marked as an individual responsibility under the remarks " Placed for collection. '' The original creditor name is XXXX XXXX XXXX, and the account was opened on XX/XX/2024. I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from Credence Resource Management. According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is no record of any outstanding balance of {$110.00} from XXXX XXXX XXXX on my end. The presence of this incorrect collections account is negatively impacting my creditworthiness. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, highest balance, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-12
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 the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXXXXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Consumer complaint received 2024-05-13
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. (MN)

Account Number : XXXX Dear Sir or Madam, I am writing to dispute the reporting of an alleged debt under account number XXXX as listed on my credit reports with XXXX, Experian, and XXXX. This account was previously disputed and subsequently removed from my credit reports. I am astonished to see its reappearance, which I believe is due to a serious error or potential identity theft.

I have no knowledge of this account. Upon contacting the original creditor, XXXX, I was informed that the account is categorized under a business account, which strengthens my belief that there has been a mistake or misuse of my personal information.

As required by the Fair Debt Collection Practices Act ( FDCPA ), particularly under Section 809 ( b ), I am requesting immediate verification of this debt. This includes, but is not limited to, a copy of any contract or agreement I supposedly signed, and a detailed account statement showing the derivation of the balance claimed.

Additionally, under Section 609 of the FDCPA, I am exercising my right to request all documentation that the furnishers have concerning this account, including proof of any original signed documents.

Considering that this item could potentially be the result of identity theft, I formally request its immediate removal from my credit report pursuant to the guidelines of the FDCPA. Until and unless this debt can be fully verified and validated as mine, it should not be included in my credit history.

Furthermore, I had no prior notification before this account was placed on my credit report, which is a violation of my rights under the FDCPA that mandates advance notice to consumers. This lack of notice prevented me from contesting the debt before it impacted my credit.

Please treat this matter with urgency and ensure the removal of this unverified debt from my credit files. Should you fail to remove the item, I request a written explanation of the decision, including the certified documentation verifying this debt.

I appreciate your immediate attention to this matter and expect a response within 30 days. Please send all correspondence and proof related to this dispute to the above address.

Thank you for your cooperation. 

Sincerely, XXXX
Consumer complaint received 2024-05-13
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. (MA)

I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading account. Despite my prior communications, your department has not adequately addressed the concern, and the presence of this account continues to have a detrimental impact on my credit scores.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name m, address, phone number and employers are being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information. 

I am reporting to you my correct personal information below. I do expect for this inaccurate information to be deleted promptly and for a new credit report to be sent to me via XXXX mail. 

The following are incorrect and must be deleted : These are not my addresses as I have no association with any of these address listed below : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am asking that you delete all of the above incorrect information as it is incorrect. Please remove the above information as quickly as possible. This has the potential to be very harmful to me if any future employers may need to see my credit report. 

I have enclose copies of my current driver 's license, utility bill, and social security card as proof of my identity and my correct information.
Consumer complaint received 2024-07-30
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)

TransUnion has consistently inaccurately reported my XXXX student loans. The reporting of my XXXX student loans are in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). Despite providing documentation from XXXX to substantiate my claims and requesting updates, TransUnion has consistently reported incorrect balances and payment histories for XXXX, XXXX, and XXXX. 

The balances reported by TransUnion for my XXXX student loans are incorrect. 
The payment histories reported by TransUnion show late payments which are not accurate. My accounts have never been late. 

I have attempted to resolve this issue directly with TransUnion, but my efforts have been unsuccessful. Therefore, I am seeking the CFPBs assistance in ensuring that my TransUnion credit report is accurate.
Consumer complaint received 2024-05-30
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. (KS)

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 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.
Consumer complaint received 2023-07-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

After graduating college in XX/XX/XXXX with the effects of the XXXX recession still in full force, I was not able to start paying the full monthly payments. Instead of being offered options when asked, I was told only forbearance was possible. After using up all my forbearance, I asked again if there were any programs available to help with lower payments and was told there was. In between these times, Id have Sallie Mae agents calling me and telling me I owed a payment in harassing ways, even though I was on forbearance. Between the harassment and lack of help while on forbearance by Navients former company, Sallie Mae, I have paid around {$150000.00} so far with almost the same amount still owed. Four loans accrued anywhere from $ XXXX in additional interest. Ive paid in good faith for a long time, but due to not being helped when asking for it initially and what feels like purposely pushed into the full use of my forbearance, this was done to take advantage of me and create a never ending cycle. I currently pay {$1700.00} a month and the balance doesnt go anywhere.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (GA)

I have provided all three of the major credit bureaus with a copy of my FTC report and my police report including all of the fraud that was reported on my consumer report they have yet to take action to remove all of the items that are showing on my credit report which is causing me harm by not allowing me to obtain favorable interest rates and credit due to these negative items reporting on my credit report Due to the fair credit reporting act under USC 1681 XXXX they have a duty to uphold all fairness and correct information and they have not
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine