davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
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. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-10-04
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 am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving this issue.
Consumer complaint received 2024-10-04
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. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-11-25
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: Nelnet, Inc. (GA)

XXXX XXXX XXXX XXXX Department Of EducationXXXX XXXX XXXX XXXX XXXX, NE XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All five different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my XXXX, XXXX, and XXXX Credit Reports ] . This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA. XXXX Last 4 of SNN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute the inaccurate information currently listed on my consumer report, which has resulted in a violation of the Fair Credit Reporting Act ( FCRA ) due to unauthorized use and reporting of my personal information. Despite my efforts to resolve this issue directly with the reporting party, [ Company Name, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc ], they have failed to provide validation or correct the inaccuracies as mandated by the FCRA. 

Almost a year ago now ], I sent a certified mail request to [ Experian ] asking them to validate the accuracy of the reported information and provide the original creditors information to my place of abode, as required under 15 USC 1692. To date, no such validation has been provided, and the inaccuracies remain uncorrected. Furthermore, I have contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this issue, but no further action has been taken to investigate or rectify the inaccurate information on my consumer report. 

This inaction is a direct violation of the FCRA, which mandates that all information reported by consumer reporting agencies must be accurate, complete, and verifiable. The continued presence of incorrect information on my report is damaging and represents a significant failure to uphold the legal standards intended to protect consumers. 

I am requesting that [ Experian ] conduct an immediate investigation into the accuracy of the information reported by [ Experian ] and that any unverifiable or inaccurate information be promptly removed or corrected as required by FCRA. I also request that you provide me with written confirmation of the results of your investigation and any corrective actions taken. 

If you need any additional information from me to facilitate your investigation, please let me know at your earliest convenience. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX All Rights Reserved.
Consumer complaint received 2024-10-04
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. (CA)

I am filing this complaint because TransUnion CEO XXXX XXXX refuses to comply with the fair credit reporting act guidelines and respect my right to privacy. Ive submitted numerous of request with proofs of violations of TransUnion reporting unauthorized information which results in identity theft of my personal information. I do not consent to them reporting disputed accounts that Ive already requested a cease and desist under the Fdcpa from all mediums including my consumer reports. TransUnion fails to investigate and delete the accounts I disputed. The response below from the CEO, legal department is DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - REMOVED Telephone number -ADDED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXXXXXX AS REPORTED XXXXXXXX XXXX SERVICES-VERIFIED AS REPORTED XXXX XXXX XXXX UN-VERIFIED AS REPORTED XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX AS REPORTED XXXX XXXX AS REPORTED Maintenance was performed on the following accounts and/or public records. 
I demand to know the verification of how they came up with verification when a cease and desist order is set in place and by them being non affiliates with any of the corporations, I would like to know the names of who they spoke to and contact, who conducted the investigation from their company and what fcra laws they have a complied with as well as the GLBA and financial privacy act, California privacy act laws, and identity theft laws? I demand that TransUnion delete these unverified accounts immediately and compensate me for the damages occurred and if you dont comply you agree to go to federal court and compensate me {$50000.00} for actual damages and attorney fees.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name randomly changed on my TransUnion report to include a maiden name I havent used since XXXX. The change occurred around XX/XX/year>. I noticed it after reviewing my credit report. I did not request the name change. I do not have anyone doing business with me with that name. I dont know why any creditors would update my TransUnion information with a name they are not associated with. I dont see why a creditor has the ability to update anyones name on a credit report. TransUnion requested documentation to update my name to the name it was for years before someone erroneously changed it but I feel I shouldnt have to send in any information. I did not change my name at TransUnion.
Consumer complaint received 2024-10-04
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX :
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX  is inaccurately reporting and furnishing data of the following to TransUnion. Inaccurate date of last payment, inaccurate date of account close, and inaccurate past due amount. Also, Transunion and XXXX are reporting to completely different close dates.
Consumer complaint received 2024-10-04
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. (IL)

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Consumer complaint received 2024-10-04
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. (GA)

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.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NJ)

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX  XXXX XXXX, Synchrony Bank/PayPal Credit , the above FINANCIAL INSTITUTIONS are subsequent reporting of this information to consumer reporting agencies. It has come to my attention that my personal and private financial information was disclosed to NON-AFFILIATED THIRD PARTIES ( XXXX XXXX XXXX ) without my consent which is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and constitutes non-compliance with the protections afforded to Nonpublic Personal Information ( NPI ) The GLBA mandates that financial institutions must safeguard customers ' personal and financial information and are prohibited from disclosing such information to third parties, including consumer reporting agencies, without explicit consent. I have not provided any authorization for the disclosure of my account closure to any consumer reporting agency, and I believe this action is a breach of the privacy protections I am entitled to under the law. 
I demand the immediate correction of this unauthorized disclosure of my PERSONAL FINANCIAL PRIVATE INFORMATION Please take the necessary steps to ensure that this information is not reported or is removed from any consumer reporting agency records. Additionally, I request a written confirmation that this corrective action has been completed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CO)

Where are the documents that you use to validate the accuracy, please send them to me immediately. They put this account on my credit report without first validating any information. That is against the law and that is a Fair Credit Reporting Act violation. Please help me get this off my credit report.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

*Name : * XXXX XXXX XXXX XXXX : * XXXX XXXX XXXX , XXXX XXXX, SC XXXX *Phone : * XXXX *Email : * XXXX *Complaint Filed Against : * *Bank Name : * Chase Bank *Account Type : * Business Checking *Account Name : * XXXX  XXXX XXXX XXXX Number : * XXXX *Branch or Department : * Fraud Department *Subject : * Unjustified Account Closure and Withholding of Funds *Description of Complaint : * I am filing this complaint against Chase Bank due to the unjustified closure of my business account and the withholding of over {$70000.00} in funds. The following is a summary of the events leading up to this complaint : 1. *Sudden Loss of Access : * On XXXX, I was suddenly unable to access my business bank account, which held over {$70000.00}. I received no prior notice or explanation from Chase Bank regarding this action. 

2. *Contact with Fraud Department : * After multiple attempts to contact Chase Bank , I was informed by the Fraud Department that my account had been flagged for potential fraud and that certain checks required verification. I complied with their requests and provided any necessary information. 

3. *Assurances Given : * I was repeatedly assured by Chase Bank representatives that my funds would be released after the necessary verifications were completed. However, these assurances were not honored. 

4. *Account Closure : * Without any further communication, my account was closed. I was then informed that a check for the remaining balance would be issued and mailed to me. Despite waiting for the check, it never arrived. 

5. *Continued Delays : * When I contacted Chase Bank again, I was told that additional checks needed to be verified, and my funds would remain inaccessible until this process was completed. Despite my cooperation and the verification of these checks by my customers, Chase Bank has refused to release my funds. 

6. *Lack of Communication and Transparency : * Throughout this process, Chase Bank has failed to provide a satisfactory explanation for the account closure and withholding of my funds. The lack of communication and transparency has caused significant disruption to my business operations. 


This situation has caused significant financial and operational harm to my business, and the behavior of Chase Bank is unacceptable. I request that your office investigate this matter promptly and take appropriate action to ensure that my rights as a consumer and business owner are protected. 

*Declaration : * I declare that the information provided in this complaint is true and accurate to the best of my knowledge. 

*Signature : * XXXX XXXX XXXXDate : XXXX
Consumer complaint received 2023-03-30
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)

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, I have doubts about the accuracy and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX  Account number XXXX
Consumer complaint received 2024-10-04
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-04
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. (IL)

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.