davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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)

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 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 2022-11-04
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)

According to the Fair Credit Reporting account, XXXX Account 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. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-11-04
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. (PA)

According to the Fair Credit Reporting account, XXXX Account 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. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-11-04
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. (AL)

In accordance with the Fair Credt Reporting act XXXX TXXXXXXXX Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX # # # XXXX, XXXX XXXXXXXX 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen instructions.
Consumer complaint received 2022-11-04
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. (AL)

In accordance with the Fair Credt Reporting act XXXX XXXX Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX XXXX # # # XXXX, XXXX XXXX CO 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen instructions.
Consumer complaint received 2023-04-17
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. (NJ)

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. XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}. Please remove.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX2022 IXXXXXXXX XXXX/2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXXXXXX/XXXX/2022
Consumer complaint received 2018-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (GA)

To Whom It May Concern, Account Number : # XXXX / Kansas Counselors Inc. 

Reviewing my annual free credit report, Ive notice Kansas Counselors Inc. negative account on my credit report. I have never heard of this company, never signed a legal binding contract with Kansas Counselors Inc. or I have never received any documentation from Kansas Counselors Inc. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to Kansas Counselors Inc. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from Kansas Counselors Inc referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), Kansas Counselors Inc is NOT following guidelines of what constitutes proper debt validation. I have NO contract with Kansas Counselors Inc, I am not obligated to pay for the alleged debt, Kansas Counselors Inc is the reporting inaccurate information on my credit report. 
Im planning to apply for a VA mortgage loan, and Kansas Counselors Inc account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX
Consumer complaint received 2023-04-17
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. (CA)

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. Please delete the accounts : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$670.00}, Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX, Bankruptcy XXXX  XXXXdismissed Filed on XXXX XXXX, XXXX Reference number : XXXX
Consumer complaint received 2023-04-17
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am a long-time checking/savings account holder with Fifth Third. On XX/XX/XXXX, my wife and I applied for a conventional mortgage loan to purchase a new house through Fifth Third. My original Mortgage Loan Officer was XXXX XXXX ( NMLS # XXXX ). XXXX provided a pre-qualification letter and assigned the loan to a Mortgage Processor, XXXX XXXX ( NMLS # XXXX ). 

XXXX, who was rude and unprofessional throughout the process, asked me to provide numerous documents, which I did without question and without delay. One of the documents XXXX asked me to provide was a copy of my home inspection. XXXX failed to inform me that I was not required to provide a copy of the inspection, failed to inform me that, if I did provide a copy of the inspection, that I would be required to rectify certain items on the inspection report, and failed to inform me that I would be required to pay for such rectification. In fact, XXXX failed to inform me of anything - she simply asked me for a copy of the report, which I provided. 

On XX/XX/XXXX, XXXX informed me that I would have to make certain repairs to the home ( which I do not yet own ), that I would have to hire a contractor to complete these repairs, and that these repairs would need to be completed prior to the closing date of XX/XX/XXXX ( a mere 20 days later ) in order for Fifth Third to approve the loan. 

The following day, I called both XXXX and XXXX to complain about what had transpired. XXXX admitted to me that XXXX should not have asked me for a copy of my inspection and that XXXX should have advised me of what would happen if I did provide a copy. XXXX then offered a potential resolution - there would be an escrow hold-over of an amount to be determined ; once I completed the repairs myself, I could provide proof of the same and the hold-over funds would be released. I agreed to this compromise. 

On XX/XX/XXXX, XXXX called me to inform me that the compromise we discussed on XX/XX/XXXX was not possible and that I would have to complete the repairs prior to closing. Considering that I do not own the home in question and that I have already negotiated the contract with the seller, this is simply not possible. 

I am now forced to find another lender at the last minute in order to avoid losing the home my wife and I wish to purchase. 

Fifth Third in general and XXXX and XXXX, in particular, have gone out of their way to attempt to ruin my purchase of a new home. Fifth Third should be ashamed of how it has treated a long-time customer. XXXX and XXXX should be stripped of their licenses to ensure that they do not have the opportunity to ruin another couple 's future.
Consumer complaint received 2017-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke with Transunion today, X/XX/2017, asking them to remove XXXX credit inquiries I did not authorize. I was told I needed to get a letter asking the that the inquiry be removed, from the company who pulled my credit report. I authorized XXXX XXXX to pull my credit report. I was very specific about my credit report only being pulled one time. Instead my credit was pulled by XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. In addition XXXX XXXX has pulled my credit 4 times in 3 months, XXXX pulled my report and XXXX XXXX XXXXXXXX. I did not authorize any of these credit pulls. I have a fraud alert on my file due to ID theft and Transunion still lets just anyone pull my credit. At no time did I receive a call asking if I had authorized these companies to pull my credit report. What is the point of placing a fraud alert on my file if it is just going to be ignored!
Consumer complaint received 2022-11-04
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: U.S. BANCORP (CA)

There are two inquiries showing on my XXXX report On XX/XX/01 from Elan financial one of those inquiries need to deleted only applied for one account did not apply for two accounts showing my credit was pulled twice from their company.
Consumer complaint received 2020-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

On XXXX, I reached out to Navient because my autopay was taken off of my account without my knowledge. I was told that it was only scheduled for a year even though I did not receive notification it was ending. My payments have been coming out of my account on the XXXX of each month for almost a year. As a result, I was considered to be 9 days late making a payment. I went ahead and made a payment on XXXX which made me current. My first issue that I have is that I have been making timely payments in order to be eligible to release my cosigner from my loan per Navient requirements. Navient requires 12 months of on time payments before being eligible for cosigner release. Since I was in the XXXX month when they stopped my autopay without my knowledge, I do not meet eligibility criteria for cosigner release per their website even though Navient stopped my autopay without my knowledge. 

Secondly, I spoke with XXXX XXXX on XXXX regarding an administrative forebarence that was placed on my account without my knowledge when I made the payment on XXXX. I did not agree to a forebarence because I was no longer behind on my payment. She stated that it was to help me and I will not have another payment due until XXXX. However, she could not tell me if I will incur interest during this forebarence that I did not agree too or have knowledge of until I checked my account online. 

I feel deceptive business practices are taking place that is not keeping me as the consumer informed about what is happening with my payments. Furthermore, I am requesting that my cosigner be released due to me not being notified my autopay would stop. I am also requesting what are my rights after your review of the case.
Consumer complaint received 2024-03-23
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. (FL)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-26
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: Experian Information Solutions Inc. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2023-04-17
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. (NY)

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 reportsno consent is fraud. 

XXXX XXXX Balance : {$8100.00}, XXXX XXXXXXXX Balance : {$7200.00}, XXXX XXXX XXXXXXXX Balance : {$7700.00}, XXXX XXXXXXXX Balance : {$9400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am attaching the last two letters that I sent to this company to file a complaint about their non-compliance. I sent my request for a method of verification last XX/XX/2022 and FCRA mentions that I can request the method of verification used on the disputed items but this company doesn't seem to be taking me seriously, they're ignoring my letters. I want the CFPB to have records of this complaint because this will be my step in taking more serious actions against the negligence of this company.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (NJ)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of my identification, which is a felony. 

punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XXXX XXXX XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined.

under

15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result. Below are the Inquiries to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (CA)

When I reviewed my credit report once more, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.
Consumer complaint received 2023-04-17
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.