davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-02
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. (TX)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

On XX/XX/2021 i received a summons from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Fl XXXX. 
Docs provided documents. 

I contacted them about file XXXX and requested a Debt Validation. After contacting them several times and them stating they had 30 days to provide information they finally sent out and insufficient validation of this debt on XXXX XXXX. Docs provided as requested. 

After I contacted them in regards to why this was not complete and did not have any contract between us. Mr XXXX at that office began to get frustrated and said if I was stating that they stop collecting that he needed to put me on with an attorney. At that point an attorney by the name of Mr. XXXX got on the phone and began to raise his voice at me in a threatening manner and interrupting me before I could finish my request for him to stop his attempt to collect. HE continued to ask me sarcasticaly if this was really not my debt as he kept shouting and acting belligerent. The phone call ended when he stated he was done and if there was nothing else he can do for me.
Consumer complaint received 2016-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (RI)

I have been contacting Sallie Mae and XXXX to try to determine who much I paid in total to my student loans before consolidating. They are only able to tell me the amount I paid towards my Dept of Education loans. They can not tell me the amount for the loans that were strictly Sallie Mae. I find this unacceptable and a testament to how fraudulent Sallie Mae and XXXX are as a company and student loan servicer.
Consumer complaint received 2023-06-02
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. (KS)

It has came to my attention that some unauthorized inquires were placed on my credit report, I have take proper steps towards this and I am reporting directly now because In accordance with the FCRA section 611, it is a total violation of my consumer right.kindly remove the following inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (CA)

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 XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  : XXXX, XXXX Dept of ED XXXX XXXX Dept of ED XXXX XXXX Dept of ED 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 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 2017-05-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I am writing concerning my Navient student loan which has since been transferred to a new loan servicer. On several occasions I attempted to work wit h Na  vient in an attempt to process a forbearance. In each instance the process was delayed. In the end the forbearance was granted but each time my credit was adversely affected. I am writing in hopes that you can assist in having the negative reporting removed. I have attempted this in the past directly with Navient, b ut with no positive results.
Consumer complaint received 2023-06-20
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. (TN)

I have provided TransUnion will all requested documents for my identity theft case and unlike the other 2 credit bureaus they continue to refuse to remove fraudulent information from my credit report. File number XXXX. I have provided an FTC identity theft report, a police report and all identity verification documents that are required. XXXX and XXXX complied with the requests but XXXXU is refusing to do so. 
TransUnion is in violation of the Fair Credit Reporting Act in continuing to not remove fraudulent accounts and inquiries from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 
As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. 
If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. 
Conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616. 
I will be seeking these damages against TransUnion if this fraudulent information is not removed from my credit report immediately.
Consumer complaint received 2023-06-20
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. (WA)

Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXXXXXX XXXX. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express will not allow me to redeem cash back rewards, as advertised, without me providing them with an email address that they can dump trash email marketing into. They have widely advertised their cash back reward card but have not indicated that an email address for AMEX 's use and convenience is required to redeem your earned cash back credits. Yet I just tried to redeem my cash back credit through their online website and was not allowed to do so without providing them with an email address they like better than the one I gave them ( a non-working one appropriate for the junk email dumping AMEX wishes to use it for ). 
Why is a company as deceptive, unfair and abusive in its practices as AMEX allowed to violate people 's privacy and put them at risk by demanding an email address for their own marketing purposes? Why are people being forced to pay for more of AMEX 's advertising than they want to or should be required to?
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX of this year I was preparing to refinance our house and ordered a copy of my full credit report from TransUnion, paying {$24.00}. I discovered today that they have been billing me this amount every month. I call their customer service and they said that I signed up for credit monitoring service ( I did not ) and that I should have read the agreement carefully before agreeing. I went back and looked through the original email I got from them after ordering the credit report, and there is nothing stated about a recurring charge. I would never have agreed to it ; I don't need it and don't want it. The customer service rep agreed to refund only the current month and refused to refund the other 3 months, after consulting with a supervisor.
Consumer complaint received 2015-12-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I am a Title Insurance Agent in XXXX XXXX, NJ and an underwriter for XXXX XXXX Insurance Company. I have XXXX matters that closed over a year ago which I can not issue policies to the new owners due to the fact that HSBC has not recorded the discharges for the seller 's mortgages, leaving them remaining open of record. Both of these matters were the subject of a short sale. This office holds the documentation wherein HSBC agreed to the terms of the short sale. However, after the closing took place, the mortgages were never discharged. I am under strict obligation by my underwriter to issue a title policy in a timely fashion, however HSBC is negligent in XXXX matters.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis Accurint  Report ( XXXX ) to XXXX regarding the incorrect Phone Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Phone Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, LexisNexis responded to CFBP Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXXXXXX XXXX  ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his Accurint report can not be removed from his report. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA.
Consumer complaint received 2020-07-12
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (FL)

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report.
The following account is inaccurateI C SYSTEM {$200.00} The following account is inaccurateXXXX {$1800.00}
Consumer complaint received 2023-06-02
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. (TX)

Pursuant to the Fair Credit Reporting 15 USC 1681 states the following : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The information shared without consent about student loans is not lawful. It is my right to privacy as a consumer pursuant to 15 USC 6801 which states : It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers non public information. I am the consumer. The Family Educational Rights and Privacy act ( 5 USC 552a ) is a federal law put in place in 1974 to PROTECT THE PRIVACY OF STUDENT EDUCATION RECORDS wether public or private schools. 20 USC 1232g ( b ). 
XXXX XXXX XXXX and US DEPT OF EDUCATION is to be removed immediately from all consumer reporting agencies. 
The term record means any item, collection or grouping of information about an individual that is maintained by an agency, including but not limited to, his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, criminal or employment history and that contains his name or identifying number, etc.
Consumer complaint received 2023-02-26
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. (DE)

TransUnion continues to us stall tactics and not address my demands for relief. The keep sending my computer generated letters stating I am working with third party credit repair agencies after I send them ID with every correspondence. Using personal computer software to aid in typing, does not constitute a credit repair company. This is an ongoing problem an I demand it cease.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (DE)

To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you,
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (IL)

ACCORDING TO MY CREDIT REPORT, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. ( XXXX ) XXXX IS SHOWING A COLLECTION ON MY CREDIT REPORT FOR XXXX XXXX IN THE AMOUNT OF {$420.00}. IT SHOWS A DATE OF BEING OPENED ON XXXX XXXX, 2017 ( 4 mos ). COLLECTION AGENCY IS NOT LICENSED IN THE STATE OF FLORIDA NOR ILLINOIS TO COLLECT DEBT. In Illinois, there is a state law that applies to debt collectors.225 Ill.Comp. Stat. 425/1 to 425/25. The statute is a licensing statute which means it requires the collector to be licensed to collect in Illinois. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (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. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - XXXX Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry 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 2015-06-12
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS refuses to give me the proper XX/XX/XXXX XXXX. They keep insisting because THEY liquidated XX/XX/XXXX that we should get a XXXX XX/XX/XXXX. This is against IRS rules which clearly states that as long as an account was paid XX/XX/XXXX then the XXXX must be for that year. It is clear from the statements provided that the account was settled and paid per agreement in XX/XX/XXXX. The reason this is so important is because according to the IRS as long as it was settled in XX/XX/XXXX we do not have tax liability.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

COMENITYCAPITALBANK/XXXX- Credit Limit {$12000.00} ( Opened XXXX XXXX ). 
I reported this as fraud. My identity was stolen. My name is XXXX XXXX XXXX And the address that is linked to this account, I have NEVER lived. 
Also I was XXXX from XXXX. I have documents to proved. I also have a signed and notorized affidavit confirming my identity and this account not being mines. I need it deleted of my reports. If you check the XXXX XXXX search website, you will see I was released from XXXX  XX/XX/2022. XXXX  # XXXX
Consumer complaint received 2023-01-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent a check to pay my mortgage for the month of XXXX in the amount of {$1900.00}. American Financial Network has not applied the payment to my account. I've called and reached out on numerous occasions to get the situation resolved.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I am in the middle of a Loan Modification with Specialized Loan Servicing and now They sent my loan to XXXX WITHOUT SENDING ME A GOODBYE LETTER OR ANYTHING. Now Specialized Loan Servicing is doing the same thing they did before, Trying to say they never received my paperwork. I have the letter of CONFIRMATION FROM THEM SAYING THEY RECEIVED MY PAPERWORK AND IS PROCESSING MY MODIFICATION ANT IT MAY TAKE UP TO 30 DAYS. This letter is dated XXXX/XXXX/2016. SELECT LOAN SERVICING IS NOT BONDED TO COLLECT IN THE STATE OF TEXAS AND NITHER IS XXXX XXXX