davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Re : Request for Deletion of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to dispute certain information that appears on my credit report. I believe this information is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ).

1. **Inaccurate Information Dispute** : According to the FCRA and various case law precedents, all information reported by credit reporting agencies must be accurate, complete, and up-to-date. The following item ( s ) listed on my credit report is/are incorrect : 2. In accordance with 15 USC 1681 5-3, any report containing information solely regarding transactions between the consumer and the person making the report is excluded from being considered a consumer report. This further underscores my assertion that the aforementioned item ( s ) should not appear on my credit report. The delete the following This is a violation please delete Account # XXXX Account Status Closed Charge Off Payment StatusPast Due - {$5200.00} - NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
Account # XXXX Closed Charge Off Past Due - $ XXXX NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
XXXX Amount Status Closed Charge Off Past Due - {$760.00} NO BINDING AGREEMENT WITH. Do not owe the amount stated. 

I request that you investigate this matter promptly and, if the above-listed item ( s ) is/are indeed inaccurate, remove or correct it/them as required by the FCRA.

3. **No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.
Consumer complaint received 2017-09-08
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. (VA)

Due to Equifax 's gross negligence with my personal data - vast amounts of information is out in the public now due to their data breach in XXXX 2017. This includes SSN, Address, CC Numbers, Date of Birth - effectively anything someone needs to impersonate me. Equifax 's position as one of three major credit reporting agencies demands unparalleled data security. The fact a web application could bypass this demonstrates a complete breakdown of basic security practices.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my consumer report and noticed there was a collection account opened back in XXXX XXXX XXXX with XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX, I have no knowledge of this account, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Consumer complaint received 2017-09-09
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)

I am part of the Equifax breach. I feel like I should be given 7 years of free credit monitoring by the company. I also would like to be able to remove my information from their database since they clearly can not be trusted with it.
Consumer complaint received 2017-04-15
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Bayview Loan Servicing made misleading and lies both verbally and writing about timeframes, loan modification processes, and steps to take to keep my property out of foreclosure. The representative, XXXX, made many false claims ( again both verbal and in writing ) that negatively impacted my loan modification process.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer report and noticed an inaccurate account that was charged off account and it was charged off as bad debt in XXXX of XXXX and the account was opened XX/XX/XXXX with XXXX XXXX XXXX XXXX the account is currently closed and has no balance due. This account has been affecting my credit negatively. Balance reported on charged-off account without receipt of Form 1099-C by consumer, suggesting debt should be voided. Request update to a {$0.00} balance as per FCRA regulations.
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Upon graduation, I was unaware that my prior loan would not have a 6 month grace period. I received a 90 day late on my credit report and realized something was wrong. When I contacted XXXX, they offered me forbearance. I asked them about the late to my credit report and they said that I could provide my forbearance letter to the credit bureaus to have the late removed. To date, they have refused to provide me with a letter that states that my loan was in forbearance. They sent a flimsy email that I sent to the credit bureaus that did not change anything because the email is not an official letter stating that I was granted forbearance. Their actions have dropped my credit score by 60 points. Furthermore, they convinced me to sign up for paperless billing but do not tell students that in the event there is a problem with the account they will not call or write you. The email I signed up with years ago was hacked. I no longer had access to the email which means I did not have access to their noticing. This is unfair. It allows them to keep consumers uninformed and make statements like " the fine print in your contract says ... or we don't have to contact you because you're in paperless billing. '' It also allows them to get away with collecting additional interest and keep students in the dark. It's really unacceptable. I am repaying my student loan now but the damage to my credit has caused additional financial hardships which do not allow me to pay more on my student loans. XXXX doesn't seem to care about this because the longer it takes me to pay the more interest they can collect and the only way they can prevent people from paying is to damage them financially ( credit ).
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

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 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Simon's Agency, Inc. (NY)

I called Simons collection agency in XXXX  of 2021 to pay off a pass due account in the amount of {$180.00}. The woman helped me and the account was paid off over the phone via debit card. I asked prior to giving my debit card information and was assured this would be removed within 2 weeks. I proceeded and made payment in full. However even though the woman assured me it would be removed within 2 weeks, its been 10 months and it has not been removed. I keep calling and am put on hold or hung up on. I dont know what else can be done. 

Collection Agency : SIMONS AGENCY INC ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2017-09-09
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. (NV)

Equifax reported a hack of some 143 million users ' private personal information today, XXXX XXXX, 2017. According to the website Equifax provides for checking if details have been exposed, I am among the victims. They have exposed my name, home address ( es ), social security number, driver 's license number, and other details. 

This leak compromises not only my personal credit, but potentially any and all banking services I use, as an attacker can potentially use this exposed information to gain access to my personal banking accounts, or other accounts that depend on verification of these details.
Consumer complaint received 2017-09-08
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. (NJ)

As a result of Equifax being hacked, my personal information was leaked to the public for use by malicious agents. I have been forced to place a 90 day fraud alert on my credit report, and constantly monitor it going forward because I am at an increased risk of identity theft. Their decision to compensate me with just one year of Identity Theft protection - on the condition that I forfeit my right to participate in a class action lawsuit against them! - is not enough to make me whole and as such I will not be accepting it. Instead I will procure identity theft protection at my own expense so that I can make sure that Equifax is held accountable for their actions to the fullest extent of the law.
Consumer complaint received 2024-02-17
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. (TX)

To whom it may concern, My information was sold and bough illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report.
Consumer complaint received 2019-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Opened Platinum checking account on XX/XX/XXXX and was to receive a {$400.00} bonus within 90 days of making a {$1000.00} direct deposit. ( Application ID : XXXX ) Citizens bank responded to my inquiry on XX/XX/XXXX as follows : " The bonus is paid out on our promotions 90 days from the date that the requirements of the promotion are met. Your account had a direct deposit of at least {$1000.00} which posted on XX/XX/XXXX. Therefore it is too early for the bonus to post. Please allow the appropriate time frame. '' 90 days would have been XX/XX/XXXX. As of XX/XX/XXXX, the bonus has not yet posted but a service charge of {$25.00} posted.
Consumer complaint received 2017-09-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One auto finance is reporting to two credit bureaus ( XXXX and XXXX ) a loan that was charged off for over {$18000.00}. 

This account was opened by my ex wife ( divorced at time of account opening ). I proved to the creditor I had never signed any documentation stipulating my responsibility in the financial contract. The vehicle was never registered in my name nor did I ever have possession of it. 

I have tried on several occasions to resolve this matter with the creditor to no avail.
Consumer complaint received 2017-09-09
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. (VT)

Equifax mishandled the private information of hundreds of thousands citizens and myself. Using their website XXXX, I found that I am someone who 's information was stolen. Furthermore, Equifax seems to be trying to trick people into being unable to pursue any legal action against them. They give us a link to check to see if we are affected, and so by using this link, we waive our right to purse any action. Not only that, but the fact that we have to pay to freeze our credit through Equifax is absurd. The pin you get from Equifax when you freeze you credit can be reset using personal information, which, if you stole someone 's identity, would be easy to reset. Finally, the pin is not randomly generated, it is just time stamped, meaning that it would be very easy to steal someone 's pin if you can assume most people froze their accounts yesterday or today. Thankfully, I put a fraud alert on my account and downloaded my free annual credit report, and saw that nothing has happened yet, however, for many people, their lives could have been ruined today.
Consumer complaint received 2020-09-04
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. (VA)

On or before XX/XX/2019 this company purchased an old Business Debt/Loan from XXXX XXXX that our XXXX had acquired. Now they are harassing for payment and has decided to place it on my personal credit report. 

Also, on XX/XX/2019 I notice there's a credit report inquiry from this company. I didn't grant permission to this company to pull a credit report. This is illegal. I also have just recently seen that I have a new derogatory mark on my XXXX  and Experian credit reports. 

Account Number - XXXX
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (FL)

This is XXXX XXXX and I am submitting this CFPB Complaint to formally dispute the fraudulent inquiries listed on my credit report. Despite my attempts to have them removed over the months, these inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been over a month since I began disputing these inquiries, I expect immediate action to be taken.
Consumer complaint received 2017-09-08
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)

Equifax mishandled my personal information, along with the information of most adults in the United States. This put me, and well over 100 million others at risk, and is unacceptable. I am listed as a potential victim according to equifaxsecurity2017.com, and I would like a resolution. 

Equifax 's efforts to notify the public of this massive and dangerous breach are lackluster. The company took too long to notify the public, and are not making enough of an effort to protect those who are affected.
Consumer complaint received 2020-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I attempted to refinance my mortgage with Chase recently. As I recently started my own business Chase underwriting would not recognize my business income and so they required that I add my father as a cosigner on the mortgage. Chase added a number of requirements to the mortgage only AFTER they received my good faith payment, the most important of which was that my father be added to title for my home. As I live in a XXXX coop that would mean adding him to our " stock and lease '' which is a long and involved process which would require thousands of dollars in legal fees and makes the refinance no longer economically viable. After Chase confirmed this was a absolute requirement we stopped the process - I won't be refinancing at this time. However, Chase is refusing to return my {$500.00} good faith payment. 

My understanding is that part of the issue with returning the good faith payment is that the appraisal was completed before cancelling the process and Chase may be claiming they need to keep the funds to pay for that -- however, this is not explicit, I've mostly received silence from Chase in attempting to recoup the money. At the time the appraisal was carried out, I had been told in writing by Chase that the refinance could proceed without altering the stock and lease so I contend I am owed the full good faith payment in return as I was acting in good faith in allowing the appraisal to proceed. 

Here is a brief timeline, document confirming this are attached : -XX/XX/2020 : good faith payment collected -XX/XX/2020 : first time title change ( stock and lease ) requirement is ever mentioned to me. This is debated back and forth over the following days. 
-XX/XX/2020 : Chase confirms that I can proceed with NO CHANGE to my stock and lease. I allow appraisal to proceed on this basis. 
-XX/XX/2020 : Appraisal completed. 
-XX/XX/2020 : Chase writes to me saying they WILL REQUIRE the change to stock and lease. Shortly thereafter, I tell them I do not wish to proceed and I ask for return of my good faith payment.
Consumer complaint received 2017-09-08
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. (FL)

Equifax did not adequately protect my credit report from hackers, resulting in my personal information being stolen. Moreover, their decision to delay notifying me about the hack for two months delayed any measures I might wish to take to prevent identity theft. Not only were they negligent with my private information, but they failed to notify me in a timely manner so that I could protect myself from their negligence. My identity and credit are now permanently at a higher risk of theft due to this recent hack, and any compensatory action must take that into account.
Consumer complaint received 2021-11-30
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)

To Whom It May Concern, I checked my personal credit report, which I acquired from Transunion and XXXX organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : I am unaware of these inquires from Transunion ( XXXX XXXX XXXX XXXXXXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX }. I am unaware of these inquires from XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ) I contacted every creditor who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry.
Consumer complaint received 2017-08-09
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)

I was coached into forbearance with accruing interest instead of information on income based repayment options. The lender charged a daily late fee on each of my individual loans. I borrowed under {$30000.00} and owe today over {$57000.00}. I recently qualified for Income based repayment. Navient destroyed my credit. When out of forrbearance and unable to my pay my income was garnished 20 %. Because my college failed to coach me to change from an XXXX Degree to a XXXX Degree when entering my third year with two XXXX level classes not taken. I was no longer eligible for financial aid and never competed my XXXX Degree or my XXXX. Without the degree I remained in the same employment pool as a High School Graduate. Navient, my college and XXXX XXXX XXXX all failed me.
Consumer complaint received 2017-09-08
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)

There is a credit inquiry on my XXXX report that I have never seen and did not approve. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-08-10
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 according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX XXXX ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions