davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one- Amount XXXX This account is paid and closed. I have told them to remove it as it violates my rights according to 15 U.S.C 1681 section A section 2 XXXX XXXX XXXX has been on my report since 2011 and they still won't remove it.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MS)

Where is the Home Loan Application, Where is the authorization of such charging such card or account, where is the 4506T verification as stated and indicated in such credit card agreement, where is the Department of Veteran Affairs 's Form XX/XX/2019 XXXX and legal counsel of record name , street address for effective service of summons and subpoenas, phone number which I as a consumer has the rights to obtain and received upon request? Where are the official and legal records listed and noted in the PROPER RECORDS request for local, state, and federal law enforcement agencies? Failure to produce these items validates FRAUD and this business should be sued in any court of law where jurisdiction is appropriate. 

I want ALL THE OFFICIAL AND LEGAL RECORDS from the list of records attached as well as the disclosure statement of records saying that such credit card company has the right to request any consumer to consent to signing such Form 4506T and the completed and legally signed off form called Department of Veteran Affairs Form XX/XX/2019 XXXX. I want the official and legal charge to what or for what in the amount of such debt of {$500.00} from the Discover Home Loan Department. I want the Discover Home Loan Application showing my signature of record to charge such and to support such a written statement by this financial institution. 

All official and legal records must be under a sworn affidavit and No Exceptions. 

Please provide all detailed reports you have collected and gathered from the attached list requested from your business or office. 

I don't owe this business anything, this business now owes me. 

This is filler-busting and shaming the process. 

This financial institution will be sued in court and will be held liable for all court costs and fees and full restitution of damages caused and presented in this illegal response and filing before the Consumer Financial Protection Bureau and the acts and actions they have caused by unethical reporting the credit bureaus in the official and legal records will be attached and presented in a court of law.
Consumer complaint received 2024-01-18
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. (PA)

Per the Fair Credit Reporting Act, the listed accounts should not be furnished on my consumer report as they are in violation of 15 US code 1681-B in general subject to subsection C, which states ; Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, by the written instruction of the consumer to whom it relates. These listed companies never received my written instructions to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly, 15 USC 1681-4 also states reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. Therefore, there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality, and respect for consumers ' rights to privacy. I'm demanding the removal of these listed accounts. 
ADDITIONAL UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NV)

In accordance with the Fair Credit Reporting Act, Wells Fargo Dealer Services has violated my rights under 15 USC 1681 section 602 which states that I have a right to privacy. 15 USC 1681 section 604A Section 2 it also states ; that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit account under an open consumer and credit plan as late for any purpose
Consumer complaint received 2024-01-18
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (MN)

I was sent a personal email from a direct employee at True Accord XX/XX/XXXX shortly after XXXX XXXX. The email contents were that they were trying to collect a debt from me from XXXX for XXXX. They gave me 3 options in the email. To dispute the debt, request information on the debt or to pay it. 

I do not owe anything on this debt and I was contacted in XXXX on this matter by a different agency which was not True Accord. It was dismissed as the debt was incorrect and the merchandise was in fact returned. This is almost 9 years old. They are wanting me to address and pay this old debt which is very suspicious. 

I havent received a phone call, text or legit letter from any collector or from True Accord on this debt matter since XXXX and it is NOT on my credit report. This is the first time Im hearing from True Accord and by email of all things. 


I did dispute the email received and explained myself to them and I havent heard anything. I think this is a scam and I hope by disputing I did not put my self at risk for this. This debt is way beyond the statute of limitations to collect, in which the debt was incorrect and I do not owe in the first place. 


I dont know why I am being contacted now on this. It has been years. How did this company get my personal information? To get a random email of all things, not even a call, I feel violated and harassed by something so long ago that they as a company should have been able to verify at first contact, preferably on the phone or a mailed letter. 

Im seriously concerned about a scam and my identity now and I would appreciate an investigation of this matter with True Accord.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NV)

I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed this creditor on XXXX, and XX/XX/XXXX. I requested bank transactions and proof that I was late with this creditor. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active XX/XX/XXXX to XX/XX/XXXX. Trans Union is missing date last active and is unverifiable. Trans Union failed to do update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I have sent dispute on XX/XX/XXXX and XX/XX/XXXX. XXXX date is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor and removed.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I was approved by MOHELA for the SAVE repayment plan in XXXX of XXXX  effective XXXX XXXX months. I made two payments without issues. Suddenly and abruptly with NO explanation, in the first week of XXXX, MOHELA placed me into a plan that increased my payments from {$1000.00} to over {$1800.00} per month ( LEVEL repayment ). I messaged them, waited on hold, sent them the confirmation of the approval in XXXX and then even reapplied for the SAVE plan AGAIN. No responses. The only response I keep getting from the company is that payments are overdue and now it says I owe almost {$3000.00}. They also send back " correspondence processing delay '' notices, that ultimately say it may take them up to 90 days to answer. A company should not be able to charge interest, increase payments, ignore applications, reverse applications with no explanation, and then tell customers to wait up to 90 days to get a response. Interest accumulates, my credit score is being impacted and there is no way possible for me to make these payments. I struggled paying {$1000.00}, but I made it a priority and did it, so I was in no way in default. The company randomly changes terms and then refuses to help customers. It's so unethical and frustrating and I know I am not alone. I'm also 17 payments away from loan forgiveness under PSLF, so it feels like this is intentionally disrupting that and making it impossible to keep working toward this forgiveness.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX, XXXX, MI, XXXX Telephone number : XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my XXXX XXXX report : XXXX the victim of identity theft and I dont recognize XXXX or more of the inquiries on my report. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

I appreciate your prompt attention to this matter, and await your reply. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
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. (TN)

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.

has violated my rights. Or a 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 2024-01-17
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: LEXISNEXIS (PA)

have made three separate requests to receive my report from LexisNexis, as indicated in their profile, but I have not received it either by mail or email. This issue has persisted since XXXX XXXX XXXX
Consumer complaint received 2024-01-17
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. (PA)

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions you can contact me at XXXX XXXX XXXX
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. ()

I am currently an XXXX living in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am XXXX, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a U.S. company, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have been a Chase Bank for more than 10 years for both business and personal. All XXXX of my children have accounts at Chase including my business and personal account. 2 of the last 3 times we have deposited {$500.00} in cash to the ATM machine at the bank, the machine has had problems with the deposit and failed to complete the deposit and failed to return the money. When I filed a complaint, they provided a credit but then took the credit away citing the deposit was never made. I went to the branch and complained and had the police come and file an incident. I then called the fraud department who handles this type of thing and they refused to accept the video and picture evidence of my deposit and said they will not use the ATM camera security footage to verify that I made the deposit. They told me that I would have to hire an attorney and file a lawsuit and subpoena the footage. Last Thursday I called the branch manager and told him I was really dissatisfied with the service provided by chase and that I would be closing my accounts. The next day Chase with no warning and for no reason closed all of my accounts preventing myself from running my business, my wife who is XXXX and XXXX kids from getting gas, pay bills, or pay for medical expenses.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

Close my checking account and give my remaining money as a check! {$500.00}! Your customer service is abysmal! Nobody wants to waste time with phone calls when emails, secure messages, and live chats would do the job! No excuses! Youre a big bank and your competitors willingly do what you refuse to do! I dont about your excusesclose my account and give me my {$500.00} ASAP!
Consumer complaint received 2024-01-17
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Telephone number : XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion, I am writing to dispute the following information that appears on my XXXX consumer report : Im the victim of identity theft and I dont recognize one or more of the inquiries on my 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 Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter, and await your reply. 

XXXX XXXX XXXX XXXX