davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-18
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX, and I have not yet received a response.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-10-25
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. (TX)

I am writing to address a concerning matter related to an account listed on my credit report, which has far exceeded the permissible reporting period of seven years. According to the FCRA, this account should have been removed from my credit report long ago. Furthermore, it has come to my attention that this account was paid in full following a settlement, and the company has neglected to send the required 1099-C form, which constitutes a violation of tax reporting regulations. I am compelled to demand the immediate removal of this account from my credit report due to these apparent FCRA violations. This matter has been raised with your organization through a letter sent five months ago, yet it appears to have gone unanswered. I want to emphasize that each FCRA violation carries a potential fee of up to {$1000.00}, and I am fully prepared to seek legal action should this account not be removed within the next 30 days. Please see the attached dispute letter which is dated and time stamped. Remove the following account from my credit report XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite this attempts now to have these inaccuracies corrected, the fraudulent items remain on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; CONNS XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX XXXX XXXX : {$81.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$590.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IN)

on   XXXX   XXXX  2017    I first spoke with customer service person once again I was not read any mini  XXXX . He was extremely rude and argumentative. in the background I hear d two other  women speaking about another account when I finally asked for a supervisor. He kept saying that I filled out the paperwork wrong when I try to explain that they 've been corrected he wanted to continue to argue with me. When I asked a supervisor they gave me a team lead. I wanted to speak with supervisor I was on hold for abou t five min utes never received a supervisor said I would speak with somebody higher up than the supervisor still was not given that courtesy to speak with supervisor. Did agreed to speak with the team lead. I was asking about the discretionary income clause that President Obama set up for Student Loan 's and was totally ignored they were still basing things on gross income and poverty level which had nothing to do with what I was applying and for was not helpful with me at all that perhaps maybe I was even filling out the wrong repayment option and finally offered me the forbearance for a year. I felt I had no choice but to apply for forbearance I wanted to pay on my student loan and continue making payments When I read their response my first complaint nobody told me anything about my application being approved or was given y amount of {$150.00} and matter fact i was told it would be more than I was currently set up with because of some overtime. I could not afford present payment. There is so much inconsistency as to what they 're doing that I feel that my loans and not being handled incorrectly. They are not helping. I am strongly considering hiring an attorney for these actions that have been taken b y Nelnet. I happ en to have a medical condition that I could easily try to apply for  disability  and perhaps even receive full disability I choose to work, I choose to pay my student loan back but these people were n't interested in that at all What they have chosen is to charge me more interest on this loan while during this forbearance. Because they would not even go over different options with me on repayment and discuss discretionary income which is very different than gross income which t hey did not seem to understand. I have contacted now nelnet in the last six week s twice and I 've been treated very rudely, not helpful, not company doing there job. At this point I would prefer to only speak with the supervisor and when I mean supervisor I do not mean a team lead an account  manager  or customer service person. I am looking into hiring an attorney to file lawsuit against nelnet.
Consumer complaint received 2024-06-18
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. (AL)

In XXXX to XXXX of 2024, I filed a disputes with Transunion and XXXX Credit reporting agencies about the unverified collection account of XXXX XXXXXXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IN)

On XX/XX/2023, I made a final payment towards my student loans of {$10000.00}. My balance was zero, and I owe nothing more. A few days later the company moved to a new portal and it took weeks for them to show my {$10000.00} payment, because at first they said they had no record of it. 

Finally it is showing but has not been allocated correctly. The portal shows two loans : XXXX : - {$9400.00} XXXX : {$9400.00} XXXX XXXX gains interest every day, and it shows I have an {$87.00} payment coming due on XX/XX/XXXX. Both of these loans should be zero. I have paid everything and will not pay a cent more. I have tried for weeks to contact the company and they never ever reply. Chat is broken. Their email option says they will reply within XXXX days, but they never do. You call them and the robot voice literally says XXXX minute wait time, so you choose the option to have them call you back but they never do. This needs resolved immediately because I am sick and tired of trying to contact this company.
Consumer complaint received 2024-06-18
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-18
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. (FL)

I am reporting that I have been a victim of fraudulent activity. In my efforts to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed in an identity theft report with reference number XXXX. Attached are the documents needed to remove the incorrect personal information and inquiries posted to my report. The following items were opened without my authorization : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXXTRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, FL XX/XX/XXXX. Under FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items identified by a consumer as resulting from identity theft within four business days of receiving the report.
Consumer complaint received 2023-06-11
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: CAINE & WEINER COMPANY, INC. (WI)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (GA)

This complaint is againt XXXX  and equifax who reported score differciattes from XXXX who gives me a XXXX while the bureau score a low XXXX high XXXX critically affecting my ability to secure a line of credit with lender. As a principal to me the agent the credit bureauhas not forfilled the obligation. I woyld like this investigated bases on baised held against XXXX XXXX
Consumer complaint received 2023-09-19
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. (TX)

on XX/XX/2023 I came to notice about the inaccuracy after I the consumer was denied the right to extend credit. on XX/XX/2023. I reached out to XXXX, XXXX and transunion. To inform stated financial institutions. as defined in 15 usc 6827 ( 4 ) ( a ). they are financial institutions as these stated consumer reporting agengies have relationships with financial institutions by being service providers. under title 15 chapter 94 subchapter 2 congress states it is a violation to obtain or attempt to obtain, or cause to be disclosed to any person, customer infomation of a financial institution relating to another person. not only is the stated reports listed in the affidavit that i have in the attachments section of this complaint not owed. XXXX, XXXX and transunion has violated my consumer rights by not informing me of my rights to opt out. Nor did i consent to any of the following transactions or reports listed in the affidavit in the attachments sections of this complaint. this is an infrigment upon my rights. I the consumer was never contacted to ensure accuracy. Therefore no intial investigation was conduted immediately to determine if the reported infomation was accurate. 15 usc 1681 ( a ) ( 4 ) states " There is a need to ensure fairness, impartiallity, and respect for my right to privacy.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

I tried to open accounts at the following banks, Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but was refused by all. I was a victim of fraud myself because of a bad business partner I had who lived in XXXX. He sent me several thousands of dollars worth of checks and asked me to deposit them indifferent US banks. I obliged his request not knowing that they would all turn out to be bogus. He kept sending them and I kept trying to open bank accounts with them. I was in need of money and kept hoping one of them would turn out to be good. When I found out they were all bad I broke off my relationship with him. But the damage was done and I was classified as a fraud risk. I was actually a victim of his fraud.
Consumer complaint received 2024-06-18
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-18
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. (TX)

I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open and remove the repossession or charge off account on my credit file. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. I have identified the account on my credit file that continue to be inaccurately reported as late opening. I have previously disputed this inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. Despite my efforts, I have not received any meaningful response or resolution. The late open account remain unchanged on my credit file, negatively affecting my credit score and my ability to secure new credit. I kindly request that you investigate the continued inaccuracies in reporting the opening dates of these accounts and take the necessary steps to correct or removed them in my credit file. Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections or removal made in my credit file. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. With this, I am asking for your assistance to correct or remove the accounts : 1. XXXX  XXXX XXXX Balance Owed : {$410.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 2. XXXX XXXX Balance Owed : {$14000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2019-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX - Card Service - {$0.00} on XX/XX/XXXX 3 )  XXXX - Card Service - {$0.00} on XX/XX/XXXX 4 ) XXXX - Card Service - {$0.00} on XX/XX/XXXX 5 ) XXXX - Card Service - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX   XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX
Consumer complaint received 2024-06-18
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. (WA)

I recently disputed a XXXX XXXX account that was inaccurately reported to all three credit bureaus. Following investigations by all three bureaus, only XXXX removed the account from my credit report. I find it puzzling that the inaccuracies were acknowledged by XXXX but not by XXXX and TransUnion, considering they all derive information from the same source. This inconsistency feels like a violation of my rights. I deserve an accurate credit profile.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have tried already to multiple times to remind XXXX XXXX the XXXX XXXX in place but they still refuse to remove the late payments, while other credit companies have. 


XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.