davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (MS)

I am a victim of identity theft. On XX/XX/22, I let the credit bureaus and the secondary reporting agencies know this. I also provided them with an identity theft report showing items that are inaccurate, fraudulent, unverifiable on my credit file. These items are supposed to be deleted within 4 days according to the Fair Credit Reporting Act. Also, none of these accounts should have been put on my credit file in the first place. I did not give written consent for these accounts to be furnished on my file!! I have in writing, letters from XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, stating that they do not report anything to any of the credit bureaus. I was informed that this information was furnished using LCI, XXXX, XXXX and other secondary consumer reporting agencies. I have a right to privacy! You can not sell and provide false information about me. The defamation of my character and invasion of privacy has caused a lot of stress in my life. I am demanding that these fraudulent items be removed NOW!!
Consumer complaint received 2024-03-27
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. (TX)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: STERLING JEWELERS, INC. (MD)

Before I was Hospitalized, I purchased some jewelry Kay Jewelers/Genesis. The attendant explain that they have a out of work policy for a extra $ 35 monthly if you are unable to work. I purchased it. I Then by doctors order, I had to go in the hospital for my XXXX XXXX XXXX XXXX XXXX. Then affection set in, and had to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then contacted the company, and they told me they do not handle that. They said a company called XXXX handles claims for them. After getting my doctor that was having me to stay in the hospital at Washington XXXX XXXX to fill out the paper work they sent me for a couple of months, now say they would no longer handle the claims anymore. I had to contact the new company named XXXX XXXX, out of Florida. During all the digging to get in touch with the new claim people, I was never informed from Kay Jeweler about dealing with third party company 's. Giving me that information when I made my purchase, or helped a paying customer with the transformation of companies, maybe the would have got the payment from the companies on the payment date. The put late payments on my credit report with all three credit companies. I'm trying to get in a ready set up, XXXX house, and the lender says this has to come off to move forward. I'm asking XXXX to please have this removed, because this is Deception the did to me.I contact them and ask for the origanal copy for what I purchased, and they sent me something saying they only pay up to {$5000.00}, and I was over, and they will not be paying anymore. If I was told all this at the beginning, maybe I would have not signed up. If no action is taken into removing this from my report, Being XXXX, I'm offered many different lawyers. I'm not going away..
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

I am very disappointed of Ditech I submitted all my documents since   XXXX   /2017   . For a Deed in Lieu. since my intentions are to return the home to Ditech. I can not afford it, I am doing what is best for me and my health I am  XXXX   XXXX   XXXX  and is getting harder for me to move around do to my  XXXX . Therefore I was hoping to get some respond within 30 days and still nothing. We are almost going to end the month of  XXXX  and I am scare that I am not aware of what is going on. Every time I call Ditech for an update, some  Agent  tell me is under review and some tell me my file is not activated. I am starting to believe that Ditech intentions are just to foreclose my home instead of assisting me with my Deed in  Lieu  request. Please help me get a responds from Ditech it seems that they are purposely prolonging my case. I want know how much long I have to stay in my home, since is hard for my to move around I need to know with a head of time so I can have my family and friends help me move out. However I will not leave until I received my Deed in  Lieu  documentation.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-03-27
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$93000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$30000.00}
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

In  XXXX  loan modification ( #  XXXX  ) approved by   XXXX    XXXX   XXXX  and or Specialized Loan Services,  LLC, ( SLS ) , which required {$1300.00} monthly payment, on   XX/XX/XXXX   called (  XXXX   XXXX  ) spoke  to  XX/XX/XXXX   who confirmed payment amount and about leaving payee line blank on checks, First payment made before  XX/XX/XXXX   and sent with copy modification payment page with hand written acknowledgement of the "  XXXX  '' statements, every payment made before due date  ,  SLS continued to cash said payment for  XXXX   XXXX  years,    XXXX   XXXX  , SLS  stopped cashing payment and entered property into foreclosure status,  XX/XX/XXXX   when questioned SLS '  XXXX   (   XXXX   XXXX  ), stated payments were n't cashed because the cause wrong amount was paid and, stated in fact, monthly payment should have been {$2000.00}, because SLS conducted appraisal after modification agreement was signed and determined account needed additional {$650.00}, he acknowledged amount is not listed in modification agreement, also no address was provided to mail new/added appraisal amount,  as  a result  XXXX  stated account was {$37000.00} in arrearage and would have to be made to bring account current and out of foreclosure. I should be able to rely on the amoun t SLS  agreed upon in our loan modification agreement and they should not have people confirming payment information if they are not professionals in mortgage business. This is a deceptive and dishonest practice and should not be allowed to happen.
Consumer complaint received 2024-03-27
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)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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: BARCLAYS BANK DELAWARE (CA)

Barclays Bank of Delaware is violating the Gramm-Leach-Bliley Act - 15 U.S. Code 6802 by furnishing a report to XXXX without my approval XXXX 
The information with BRCLYSBANKDE account starting with XXXX o should not be on my XXXX report it is a violation and therefore a fraud.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (NY)

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 XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # 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.
Consumer complaint received 2017-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been contacting Transunion via mail and phone and online for the last 3 months about unauthorized inquiries. At one point they were removed and put back on and I was not notified within 5 days of that happening. The last time I called the guy said nothing could be done for inquiries over 6 months old, I told him these inquiries are shy of it by days. He would not put in dispute again.     I notified him that these items reappeared after the company BREACH and he said that they were not looking at items dated over 6 months.
Consumer complaint received 2022-11-02
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. (VA)

I have sent letters regarding inaccurate, outdated and unknown accounts in my credit report. It has been more than 30 days, but I did not receive any updates or results regarding the bureaus investigation.
Consumer complaint received 2017-07-18
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. (FL)

While serving in the XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX I had to obtain federal student loans to pay for college due to the VA not honoring my XXXX XXXX I joined the XXXX XXXX XXXX in XX/XX/XXXX and served until being injured in XX/XX/XXXX In XX/XX/XXXX I joined the XXXX XXXX and served until XX/XX/XXXX. When changing from the XXXX XXXX to XXXX the VA was not Honoring my XXXX  XXXX. So every year I would have to file a deferment until I could get the VA issue resolved. Apparently while I was on XXXX XXXX the loan had defaulted and I was never contacted to do another deferment. Around XX/XX/XXXX I was notified by my employer of student loan garnishments. When I contacted Navient to dispute as I was a Military member, they refused to work with me. The original student loan was around {$26000.00}, when they defaulted it doubled to over 46,000. They never contacted me to setup payments instead they sent loan to a 3rd party XXXX XXXX to collect funds.
It has been a nightmare to work with the 3rd party as they would bait and switch  programs on me. Also after more than 4 years of making the payment of well over {$500.00} a month to 3rd party, found that they have not paid one dollar to the Loan Holder Navient.
When I contacted Navient asking about the money allready paid well over 26,000 they say that its not up to them to collect from 3rd party until full amount is collected and to correct the negative reporting on my credit report. As of today when I called them asking for them to pul back the loan, I am told to prove to them I ever served in the military. They have refused to work with me in anyway and constantly reflect my issues and concerns.
Consumer complaint received 2024-03-27
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. (CA)

I have fallen victim to identity theft and have duly reported the incident to the appropriate authorities. It is troubling to note that while other credit bureaus have promptly acknowledged and removed the fraudulent accounts, XXXX seems to be disregarding my legitimate requests. I am writing to urgently address the ongoing issue of fraudulent accounts persisting on my credit report, which is significantly undermining my creditworthiness. The fact that these fraudulent entries persist despite my repeated efforts to rectify the situation is both alarming and unacceptable. 

XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY (CA)

According to 15 U.S. Code 6802 Section 6 ( a ),... to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; And 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states, ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 s-3 states, ( 3 ) DURATION ( A ) In general The election of a consumer pursuant to paragraph ( 1 ) ( B ) to prohibit the making of solicitations shall be effective for at least 5 years, beginning on the date on which the person receives the election of the consumer, unless the consumer requests that such election be revoked.

( B ) Notice upon expiration of effective period At such time as the election of a consumer pursuant to paragraph ( 1 ) ( B ) is no longer effective, a person may not use information that the person receives in the manner described in paragraph ( 1 ) to make any solicitation for marketing purposes to the consumer, unless the consumer receives a notice and an opportunity, using a simple method, to extend the opt-out for another period of at least 5 years, pursuant to the procedures described in paragraph ( 1 ).

I have asked several times for the clear and conspicuous disclosure given to the consumer at the time of the creation of this contract which I have not yet received, and as you stated I have made several attempts to receive it from your company. In addition to this, according to your records sent to me via the CFPB portal, this account is over five years old which means that the duration has reached its expiration. This account should be removed immediately.
Consumer complaint received 2024-03-27
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. (GA)

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!
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2013 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IN)

Ally Financial is where my car loans is with. They are reporting bad information to the credit bureau 's they are reporting that I have been  XXXX   XXXX  days lat on my payments and I have not been my payments are due on the  XXXX  of each month and I have always been on time. As of this date they are reporting that I am one month behind and that is in  XXXX   XXXX  when I was in the hospital and had  XXXX   XXXX  in  XXXX  weeks I call from the hospital and ask for a deferral and was given that request. Yet I have called Ally a minus of  XXXX  times and they will not correct what they arfe reporting on  mr   and  my husband  XXXX   XXXX . I got Ally head quarters to send me a full History of all my payments and they only show that I was one time late bank in  XXXX . This stopping us from getting a mortgage on a home. I told Ally this and the lady saif then you have made your payment on time we will not change anything for you. Account numbers #  XXXX  + XXXX   XXXX   XXXX  I will fax to you the proof.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act the following listed accounts has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-04-27
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. (MD)

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$60.00}