davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}
Consumer complaint received 2024-01-03
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. (DC)

An associate at XXXX XXXX scanned my driver 's license by error and the information was used for a Transunion hard credit inquiry that I did not authorize. I tried to resolve the error with both XXXX XXXX and Transunion. However, I was informed that I had to file a complaint here to take the inquiry off my credit report.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00}
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

Navient claims that my student loans are Department of Education loans serviced by Navient. Navient claims that as Department of Education loans, my loans are federally guaranteed loans ( e.g., can not be discharged through bankruptcy ), but since they are serviced by Navient I have none of the benefits and protections of of other Department of Education loans ( e.g., no interest accrual on loans during Covid non payment periods ). I accrued thousands of dollars in student loan interest during Covid. I have complained to a Navient about this, that it does not make sense that Navient gets all the federal benefits and protections on my loans and I get none. I do not think this is fair. I have attached communications with Navient regarding this issue.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Im requesting an immediate update to my balance on both accounts XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX my balance on both accounts are incorrect and Im sending in proof attachments to show please update immediately
Consumer complaint received 2023-12-16
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. (GA)

I have been the victim of the XXXX data breach, XXXX XXXX XXXX XXXX XXXX data breach. My information has been compromised I have noticed some more accounts and inquiries on my credit report that someone has opened that i have not AUTHORIZED. I have submitted an FTC report and I have a police report that i had obtained when i first noticed the identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear CFPB,  RE  ;  XXXX  -  XXXX ,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX  I am writing to you because I 'm in the process of purchasing a property thru   XXXX   a division Nationstar Mortgage who accepted my offer on the above property as of  XX/XX/17   .     Even though XXXX  a division Nationstar Mortgage made me pay up front a fee of {$25000.00} just to make an offer on the property my offer was accepted as of  XX/XX/17   .     I received the purchase agreement from  XXXX  a division Nationstar Mortgage who requested for me to sign the documents via  XXXX , at the same time I was assigned to  XXXX   XXXX  who identify her self as the point of contact.     As of  XX/XX/2017    an email was sent to me requesting for me sign the purchase contract which  XXXX  a division Nationstar Mortgage had confirmed my offer was accepted.       Now as of  XX/XX/2017     XXXX   XXXX  email me stating that because of my background my offer was cancelled and they accepted another offer which it was higher from my offer.       At that point I was shocked since  XXXX   XXXX  pretty much told me that because of my background  XXXX  a division Nationstar Mortgage refuse to move forward with my offer even though the offer was already accepted at that point.       I requested for  XXXX   XXXX  manager and she hang up the call, now after calling  XXXX  a division Nationstar Mortgage phone #  XXXX .   XXXX   a division Nationstar Mortgage keeps telling me that they are no longer going to speak to me because the property that I made an offer was already in the process of getting sold to someone else and no manager was available since they were all out of town.     Please please all I 'm asking is for help to stop  XXXX   XXXX  and  XXXX  a division Nationstar Mortgage from discriminating me and my family.       All I 'm asking is to continue with the purchase of my dream home and I feel this is not fair for me and my family.        XXXX   XXXX  Cell #  XXXX
Consumer complaint received 2024-01-03
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. (OK)

I was looking at my TransUnion credit report and there was hard inquiry from XXXX XXXX XXXXXXXX XXXX XXXX 2023 that I didn't recognize. I know for a fact I did not apply for any XXXX credit cards or any credit card for that matter. This is inaccurate and needs to be removed immediately from my TransUnion credit report. If someone did apply for a credit card in my name from this lender, it was a result of fraudulent activity and identity theft because it certainly was not me.
Consumer complaint received 2024-04-27
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)

Recently I Looked at 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, Number Account XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/2024, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 52 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 52 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time, but they are incorrectly reporting me as late.
Consumer complaint received 2024-01-03
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)

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. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-16
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I reached out to the credit bureaus regarding information reported on my credit report that is wrong. I sent the required details and information but they have not conducted their investigation within 30 days. I checked my credit report today and nothing has been fixed or corrected.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to the credit bureaus regarding information reported on my credit report that is wrong. I sent the required details and information but they have not conducted their investigation within 30 days. I checked my credit report today and nothing has been fixed or corrected.
Consumer complaint received 2023-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing this complaint to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become evident that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$8900.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$12000.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$14000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$14000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$5500.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$19000.00}. I hereby dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately.
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Open Dealer Exchange, LLC (FL)

On XXXX 2023 I went to Dealer XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX, to obtain extension of my own credit on a 2023 XXXX XXXX with Last 8 vin # XXXX with XXXX of {$42000.00}. The dealer run my credit with XXXX credit Report, where company 700 CREDITXXXX XXXX got a copy of my credit and I was denied for credit. No one from dealership give a paper or answer why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from dealer or 700 CREDITXXXX XXXX had contact me. I had attached evidence that my credit was pulled by 700 CREDITXXXX XXXX with XXXX credit report.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX   filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX     XXXX  was awarded Judgment of Possession in  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I filed a lawsuit to enjoin a  Wrongful Post-fo reclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the  Court  they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas.     On  XXXX / XXXX / XXXX ,  Nationstar  's attorney admitted in  XXXX  pen Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or n otice of foreclosure. However, my credit report shows I 'm delinquent.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-27
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. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-15
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. (GA)

Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. I ALSO NOTICED ON MY CREDIT REPORT THAT I AM A VICTIM OF FRAUD. As you know, all incorrect information MUST be IMMEDIATELY REMOVED from my credit report. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1681, 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information or release the invalidated debt information from my credit report. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file and on my consumer report at all times. Please delete the following inaccurate information from my credit file and my consumer report. I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Consumer complaint received 2023-12-16
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. (CA)

Company ( XXXX XXXX ) has not reported my payments since XX/XX/XXXX per conversation with Equifax representative on XX/XX/XXXX. This representative hung up on me because she didnt want to answer my question as well. 

Account is paid in full since XXXX week of XXXX. 

Account is closed, recieved title and {$2.00} check from company. 

Disputed with Equifax on XX/XX/XXXX, results came in XX/XX/XXXX. No update to paid in full account. Resubmitted XX/XX/XXXX. 

Equifax updated payment history back in XX/XX/XXXX but did not add paid in full, remove balance and add last payment. 

Reporting my account in good standing for XXXX, XXXX and XXXX stating normal payment was made. 

Thats fraud because they should of received a ledger from company showing my last payment of full balance. 

This bureau allows fraudulent companies to report. I have added the consumer affairs review page for this company to show their fraudulent ways. Equifax helps them to do this. 

https : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.