davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. XXXX 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Consumer complaint received 2023-02-10
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: William D. Meeker Enterprises, Inc. (OH)

On XXXX I was looking over my credit report. when I came across an unauthorized inquiry from a company by the name of CIC Credit. this company did not have my permission to run my credit at all I have asked them on multiple occasions to delete their inquiry. however, they have not they have failed to produce any physical evidence of any authorization MADE BY ME such as an Identification card, Social Security Card, or PassPort.the only info they have sent me is some info about their service.
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Consumer complaint received 2021-06-28
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAVALRY INVESTMENTS, LLC (IN)

I had a credit card account with  XXXX  which is    XXXX   XXXX    the problem is i was going to be late on a payment and called them to talk about the late fee they said it  could be waived the  one  time but they didnt and charged me for it and continued to charge me late fees on top of the original that just kept adding up each month. everytime I would call they said they understood and would fix the problem so i could get back to my mininum payments but each time i spoke with a different person and nothing was ever put in there system about any of these conversations so eventually the payment got to where i could not afford it thats when the phone calls started at all hours even at  XXXX . wanting there payments very rude each time and threatining i decided to to pay them at tax time and be done with it if they would remove the late fees and added interest charges and when i called to do so they said that at the time they could n't even process a payment so they didnt want to then they sold my account to calvary spv i llc which now is calling me at all hours wanting the full amount and will not discuss anything that  XXXX  had with me about a lower amount. i realize i owe this company money but not the amount they are trying to get and  at one time  they agreed now they are simply just harrassing me trying to intimidiate me.
Consumer complaint received 2017-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I submit this complaint against my student loan servicer Navient because I am absolutely frustrated at this point and have lost faith in them as my student loan administrator. I would like them to delete all of the derogatory reports on my credit file for loans that are now in consolidation.     Over the years I have been in and out of school. There were times that my student loans were reported late while I was in school awaiting an in-school deferment to kick in, or while I was waiting for another type of deferment or forbearance to kick in. When I would call my student loan administrator they would always tell me that I have the option to just pay on the loans to keep from getting negatively reported on, so I would just wait until the deferment would kick in since that just wasnt an option while I was having financial difficulties. Not to mention, I was so confused by the different due dates on the different loans and the different amounts that were due.     I have reached out to Navient over the years regarding my best options on repayment and I was never told by Navient that I qualified for a consolidation. I thought that my credit wasnt good enough to qualify for a consolidation and expressed this concern to representatives in the past.   There were little to no options on forbearance, deferment, or lowered monthly payments with my personal student loan Navient services so when I had financial difficulties this loan defaulted.     Now, my student loans are being reported as  XXXX  derogatory accounts even though they have been consolidated. This looks horrible on my credit report. I have been working very hard to clean up my credit over the years, even after being laid off in  XXXX , and these derogatory accounts are pushing me back tremendously. I have recently applied for a refinance on my car note that is very high and was declined because of all of the late payments that show up on these accounts. The late payments on my student loan accounts are because I was either struggling to make the payments, confused as to which of my loans needed priority, and which were in or out of forbearance ; or I was in school and awaiting an in-school forbearance. I even tried to lower my overall monthly payments in  XXXX  and I dont believe I ever received a response from this request. I then, luckily, reached out to a friend who was going through a similar issue who told me to try a consolidation and that even with not so great credit she was approved. I called Navient and requested a consolidation and it was such an easy process. I really dont understand why I wasnt offered this option in the past?
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I applied for a deferment of my loan due to a financial hardship. It was approved beginning XX/XX/XXXX and end in XX/XX/XXXX. I was advised that all late fees and would be changed to paid as agreed from the date the deferment started. My credit report still shows late for XXXX and XXXX. I have disputed this with the credit agencies and nothing has been changed. Also my payment was due XX/XX/XXXX. They approved the deferment XX/XX/XXXX. I have also asked why they are reporting these payments 30 days late when XXXX was not due to XX/XX/XXXX and XXXX was not due til XX/XX/XXXX in order to avoid reporting to credit. Since the deferral was approved XX/XX/XXXX I should not have been reported late to begin with at it was not past XX/XX/XXXX. I am attaching the approval of the deferral I received XX/XX/XXXX and sent back same day as well as proof of the late reporting of 30 days my credit bureau.
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern : Hi, my name is XXXX XXXX. I am writing because the following items I have attached are items in my report that I need removed. I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. I have already reported my identity theft to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank you!
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (OH)

Diversified Consultants is misrepresenting themselves on my credit as the original owner of the debt. They are reporting me as late on payments every month, on a 6 year old debt, when the debt was with XXXX and not them. They have also re-aged the debt as XXXX XXXX when the late payment was actually in XXXX. I have contacted them and said they can not report me as late on my report but they still do every month. I was this removed from my report. Diversified account number XXXX XXXX account number XXXX I copied details below directly from XXXX : DIVERSIFIED CONSULTANT Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated - Credit Limit - Past Due Amount {$1300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1300.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There are names and addresses on my credit report that arent belonging to me, I would need to seek an immediate correction. 

My correct name is : XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Since  XXXX ,  XXXX  I have consistently requested that  XXXX  produce documentation ( proof ), that  XXXX  has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus.  XXXX  has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting A ct 15 USC S 1681i.  It is the law that  XXXX  produce a ( procedure in case of disputed accuracy ). Additionally I request a  Promise to  report payments in writing. As I have researched this issue, I have learned that this is common practice among  XXXX , which in turn  XXXX  continues to fraud mortgage holders after a bankruptcy.  XXXX  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for  XXXX  to  1 ) P roduce documentation Under the Fair Credit   Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loa  n after bankruptcy   XXXX  .
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (AR)

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of Equifax on 04/09/2023. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter.

Below, I have provided the details of the inaccurate information on my credit report, along with the required corrections : 1. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX 2. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX 3. Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX 4. Unauthorized Inquiry Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX 5. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from my credit report.
Consumer complaint received 2023-07-02
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. (PA)

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

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 dont 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 The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-07-01
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. (FL)

These creditors have been using my credit report without my authorization to send credit/loan offers to my home. This use of my credit report is hurting because of the credit inquires this is causing. These inquires were not done by me and should not appear on any of my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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 instruction. 

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 items 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 2023-07-01
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. (FL)

In Accordance with Fair Credit Reporting Act XXXX XXXX Account # 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
Consumer complaint received 2023-07-01
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. (CA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with fair credit reporting and XXXX  account XXXX XXXX XXXX  XXXX at XXXX as violated my right. 
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 furnished an account my written instructions. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with fair credit reporting and XXXX XXXX XXXX  credit management XXXX XXXX XXXX as violated my right. 
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 furnished an account my written instructions.
Consumer complaint received 2024-03-26
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)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!