davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX XXXX  XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX XXXX  charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is reporting a collection on my credit report from 1998. I got a ticket for something when I was XXXX years old and had an unpaid fine. I did n't realize that I should n't pay a debt from 18 years earlier but I did and now it is damaging my credit. I 've disputed with Transunion three times to remove it and they refuse. Please get it taken off my account.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has recently come to my attention, someone has stolen my identity and has used it to open a line of credit with a company called XXXXXXXX XXXX XXXX I don't know who this person in nor do I know how they got access to my personal report. I have tried to dispute this account multiple times but the company keeps verifying this account belongs to me which it doesn't. THIS ACCOUNT WAS OPENED DUE TO A FRAUDULENT APPLICATION UNDER MY NAME. The below referenced account is the fraudulently opened one. 
XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/2022.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the bureaus informing them that I was in fact born in XXXX, not XXXX, and i have requested over and over again to validate various accounts that are being reported incorrectly and not once have I even received 1 letter to inform me that they acknowledge my concerns.
Consumer complaint received 2024-03-12
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. (AR)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1600.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XXXX XXXX, 2018 Balance : {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XXXX XXXX, 2018 Balance : {$1600.00}.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single one each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged account is to be deleted.

the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows.

Alleging Creditor and Account as is reported as having a late payment on my credit report. 

ACCOUNT # XXXX { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the CRSA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. ()

On XX/XX/ I requested that Nelnet provide a refund of the payments I made during the pandemic forbearance. They agreed and said the reimbursement would be processed. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I made attempts to contact Nelnet via their customer service line. In addition, Ive attempted to use their contact form. As I recently moved from the XXXX I have had significant trouble getting ahold of someone. While on the phone, the automated machine asks that I supply my social security number, date of birth, and 5-digit post code. My post code is no longer 5 digits, as I live in the XXXX and it is a 6 character alphanumeric code. Because they were unable to verify my account, they noted it would take longer to connect me. After sitting on hold today for 2 hours, I was promptly disconnected. 

In XX/XX/, Nelnet reinstated the balance that I requested a refund for, indicating that they had refunded me. In total, I paid Nelnet over {$6000.00} during the pandemic, bringing my balance to {$20000.00}. After requesting a refund, my balance rose again to {$26.00}XXXX XXXX  Unfortunately, I have not received the check despite updating my mailing address to my XXXX residence, which they assured me was fine to receive a refund check. I would like assistance with either obtaining that check or understanding why Nelnet is fraudulently claiming that I owe XXXX XXXX when I should only owe XXXX XXXX  until they provide that reimbursement. 

Additionally, when requesting the refund in XXXX, I asked if the reimbursement could be refunded to the original payment method. They told me the department of treasury only issues reimbursements in the form of checks. I know this not to be true because my husband received a similar reimbursement from the department of treasury as a refund to the original payment method.
Consumer complaint received 2023-02-23
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. (NY)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-23
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. (FL)

I Have A List Of Hard Inquiries That A Car Dealership Authorized Without My Permission. I'd Like For Them To Get Deleted Please. The Inquiries That I Would Like To Be Deleted Are " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' and Also " XXXX XXXX XXXX '' All Which were Never Authorized By Me. Please Fix This As It's Not Me Who Allowed For These Inquires To Be Authorized On My Behalf. Delete These Immediately At Your Earliest Convenience.
Consumer complaint received 2024-03-12
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. (NJ)

In submitting this follow-up complaint, I wish to highlight my ongoing issue as a victim of identity theft, as previously reported under reference number XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, Credit Reporting Agencies are mandated to expunge any items detailed in an identity theft report. Enclosed are documents aimed at facilitating the removal of erroneous and fraudulently posted items from my report. Below is a catalogue of items opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to delete any items from a consumer 's file that the consumer identifies as resulting from alleged identity theft, within four business days following receipt of such a claim.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked for these accounts to be updated, by the respective credit bureaus, and expressed truthfully and accurately. The accounts listed in the documents provided are not being reported truthfully and accurately. Please update the accounts with information I am asking for and provide me via this CFPB portal with the documents used to update the accounts.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

debt buyer, out of date debts must be part of those ) XXXX XXXX XXXX is the firm and XXXX XXXX is their attorney of record. I have just received a notice of a civil suit and am answering that at this time. The account that they bought is over 6 years old and closed, although I have no idea about what account it is since I have not received any communication from them that I know of until being served with a civil suit. The original creditor was XXXX according to the papers and the last payment was made, according to the suit on XXXX. I have filed a report with XXXX, the Attorney General of Oregon, and the Consumer protection agency. According to Oregon state Credit card XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX ( Oregon Court of Appeals Docket XXXX XXXX XXXX, 2012 ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Docket XXXX XXXX XXXX, 2012 ) Spoken contract XXXX Written contract XXXX
Consumer complaint received 2024-03-12
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)

I appreciate you making the effort to delete some of the data on my credit report, but there are still some accounts that need to be removed. The Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Since there have been multiple violations of the necessary reporting requirements, my report 's data is not reliable and full. Having stated that, I reject your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (TX)

Contacted XXXX  to get reason for inquiry. XXXX Their number was listed as contact number for questions concerning the inquiry. They gave me the number to XXXX XXXX XXXX whom they said they perfomed the inquiry for. XXXX and stated XXXX XXXX would be able to explain. I contacted XXXX XXXX immediately and answered a multitude of identity questions and they could not confirm a reason for the many inquiries on my report. There were several dates of inquiries made. These inquiries were done in the supplemental consumer credit information area as well as the public records and residental information area of my report. The inquiries regard home loans, mortgage loans home equity loans and interests i do not participate in. 
The rep at XXXX XXXX continued to maintain he did not have anything that showed to belong to me or my information in his system. I demanded he contact both transunion and XXXX  and let them know there has been a problem. He let me know I would need to since it is my problem. Or maybe it is my family member that used my information to open an account? I hung up. I had previously reported fraudulent activity on my credit reports in XXXX of XXXX  when i noticed suspicious activity. I have continued to find more as I have further investigated.
Consumer complaint received 2024-03-12
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)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$410.00} Account Name : XXXX Account Number : XXXX {$520.00} Account Name : XXXX XXXX Account Number : XXXX {$570.00} and list of Inquiries. 


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 2024-03-12
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. (CA)

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i am reporting a fraudulent inquiries found in my credit report