davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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. (CA)

i am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation .i would like these items re-investigated the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX ACct # XXXX In Accordance With The FCRA, Public Law 91-506, title VI, section 611 15 USC 1681 Please provide the names and business address of each individual with whom you verified the information above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Attached I send you my FTC report, as proof of my claim and I show you all the information that is being reported erroneously and fraudulently. This affects my reputation in my credit profile.
Consumer complaint received 2024-05-18
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 XXXX  Account # XXXX XXXX XXXXXXXX Filed on XX/XX/2018 Reference number : XXXX, has violated my right. 



15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-17
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. (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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-18
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. 

XXXX XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-18
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 aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect entry on my credit reporKindly block and remove the inaccurate accounts appearing on my credit report. This needs to be addressed immediately.t.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (PR)

Remove this account because the payment history reflects continued reporting a change off after this account was closed in XX/XX/year> This represent an improver use of my credit report. 

XXXX. XXXX
Consumer complaint received 2024-05-17
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. (CA)

i am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation .i would like these items re-investigated the inaccuracies are highly injurious to my credit score. 

XXXX acct # XXXX In Accordance With The FCRA, Public Law 91-506, title VI, section 611 15 USC 1681 Please provide the names and business address of each individual with whom you verified the information above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON THIS DATE XX/XX/year>, XXXX IVE ASK THEM TO REMOVE XXXX XXXX BANKRUPTCY CASE NUMBER XXXX. IT WAS DISMISSED, BUT ITS STOPPING ME FROM OBTAING CREDIT, AND MAKING PURSHACES. PLEASE HELP GET IT REMOVED. THANK YOU.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good Afternoon, On XX/XX/XXXX I was made aware I was denied housing due to my credit background. I have closed, inaccurate and charged off accounts on my credit report. Which is effecting my background checks. I reached out to all three bureaus to fix this issue months and years prior. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, dier any reinvestigation under paragraph on any moriaton disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the tile of the consumer. or moditv that item of information. as appropriate. based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the mile or the consumer Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TN)

I hope this message finds you well. I am writing to formally address an ongoing issue that has significantly impacted my life, and it is imperative that it is resolved promptly. For an extended period, I have been dealing with a medical debt that I firmly believe does not belong to me. Despite my numerous requests for clarification and evidence regarding this debt, your company has continued to insist that it is my responsibility without conducting a proper investigation into the matter. 

As you may understand, this situation has not only caused me emotional distress but has also placed an undue burden on my financial well-being. I would like to bring to your attention that I am a victim of medical fraud, where an individual fraudulently used my personal information to obtain medical services and build a debt under my name. This violation of my identity and trust is deeply concerning, and it is unacceptable for me to be held accountable for someone elses deceptive actions. 

To date, I have reached out multiple times requesting detailed information about the origin of this medical debt, including any documentation that supports the claim that it is mine. However, these requests have either been met with vague responses or outright denials, leaving me feeling ignored and helpless in this situation. I believe that it is your companys responsibility to conduct a comprehensive investigation into my claims and provide me with the necessary information that substantiates the validity of this debt. 

I urge you to take my case seriously and to treat this matter with the urgency it deserves. Identity theft is a crime that not only affects the victim financially but also emotionally and psychologically. I am doing everything within my power to rectify this situation, but I need your cooperation and support to move forward. 

Please consider the implications of continuing to assert that I owe this debt without thorough examination. The stress and XXXX that have ensued from this predicament are detrimental to my overall quality of life, and I am hopeful that you will recognize the necessity of addressing my situation with due diligence. 

I kindly request a prompt response to this email, including all relevant documents pertaining to the alleged debt, as well as an outline of the steps your company intends to take in order to resolve this matter. Should my request continue to be disregarded, I may have no choice but to seek legal counsel to protect my rights and my identity. 

Thank you for your immediate attention to this serious issue. I look forward to your swift response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-22
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-17
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/year> Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are items in error : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Amount : {$660.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter, XXXX XXXX
Consumer complaint received 2024-01-18
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. (MI)

This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over 30 days. XXXX  for proof. Too different names XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX thats inaccurate please removed this account from transunion & XXXX
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

On XX/XX/23, I completed an application to change my IBR program from the one I had previously been on to the SAVE plan. To date, Nelnet has not processed the application but instead placed me on forebearance where I'm still accruing interest.

The whole point of the SAVE plan is to arrest interest where payments are being made to help prevent further negativ
e amortization... This delay exacerbates the negative amortization problem.

I've submitted a complaint to Federal Student Aid and attempted to contact Nelnet on the phone and through their website. The website is constantly unavailable and malfunctions. Wait times for calls to Nelnet are well over an hour. The only thing resembling a response I get is a notice on the website and maybe an email every 10 days stating they've received my application, but no action has been taken with regard to processing it
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC (TX)

I called and ask for the original contract that I signed, any payments that I have made to them. I asked for proof that I owe them a debt, I ask them to send me a debt validation letters. But received no information from them and they called me and said if you don't pay I ; m calling your employer and tell them you are a person who commits fraud and you will be fired.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (LA)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

The following Names, Address and Phone number are being reported by the credit bureau XXXX which is violating Federal laws they are NOT me and All is incorrect and non deliverable. I called to get them removed around XXXX and I notice on the newer credit reports XXXX they were not removed..