davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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 made multiple efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have significantly affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information associated with my identity, as I have been a victim of identity theft.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

There had been multiple attempts made just to get these accounts removed off my report. Twice to be exact, and nothing has been investigated about my case and I am extremely disappointed. i just want to apply for loans without getting rejected, and I have the biggest fear of rejection.
Consumer complaint received 2024-08-29
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. (MS)

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  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following accounts : XXXX {$2400.00} XXXX  {$2500.00} XXXX  {$1300.00} XXXX  {$250.00} XXXX {$170.00} XXXX XXXX  {$6300.00} XXXX XXXX XXXX {$0.00} XXXX {$290.00} XXXX  {$0.00} XXXX {$0.00} XXXX  {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$58.00} XXXX XXXX {$200.00} XXXX XXXX {$590.00} XXXX  {$760.00} XXXX  XXXX  {$220.00} XXXX XXXX {$9100.00} XXXX {$1000.00}. XXXX XXXX {$0.00} XXXX XXXX  {$46.00} The following inquiries are unauthorized. 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
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX, I called XXXX University to take care of my past due Perkins loan. XXXX advised I needed to call XXXX XXXX XXXX as they have my account. I called XXXX and they stated that they could not pull up my account because they were doing a system update and to call back on XX/XX/XXXX. 

Called XXXX on XX/XX/XXXX at XXXX CST and they stated that my account had been sent to collections and that I needed to call XXXX XXXX XXXX at ( XXXX ) XXXX. I called them at XXXX CST and after providing my SSN, XXXX stated they do not have any account with my information. So at XXXX CST, I called XXXX back and explained the situation, this time being a little more irritated than the prior call. The representative, XXXX ID # XXXX, stated that they could try to file a Forbearance, but they don't know if it will be accepted since my account shows in Collections. I had XXXX email me the Forbearance forms and I faxed them back that same day. 

On XX/XX/XXXX at XXXX CST, I called XXXX to check status on my form I faxed over on XX/XX/XXXX. They stated they had not received my fax and will check with the account manager. 

On XX/XX/XXXX, I called XXXX again at XXXX CST to confirm they received my email from XX/XX/XXXX. but they advised I email my Forbearance form to XXXX and allow 10-14 business days to process. 

On XX/XX/XXXX. I called XXXX at XXXX CST and was on the line with them for 41 minutes. They stated they STILL had not received my forbearance form and that I should email to them while I was on the phone with them. Towards the end of the call, they finally confirmed that they did get my email and it will take XX/XX/XXXX business days to process. 

On XX/XX/XXXX, I received an email to do my Exit Interview online. I attempted to do this and kept getting errors and had to email customer service. 

On XX/XX/XXXX, I recieved an email back with a solution to the errors I was receiving On XX/XX/XXXX, I was completing the Exit Interview process but as I was finishing the forms, I received another error that my form couldn't be completed because the " Truth In Lending '' can not be signed because it does not have an associated file ''. Basically there was no form on the Exit Interview to agree to. 

Which brings us to today, XX/XX/XXXX. I received an email this morning stating " We apologize for the inconvenience. Out technical is currently working on that issue. We will going to send a paper copy of the Exit Interview to your mailing address. Kindly notify us if you did not receive a copy within a week. 

So after ALL of this back and fourth, STILL nothing has been done. I am actively trying to resolve my debt with XXXX, but their accounting service XXXX   XXXX XXXX is not doing their job in a time efficient manner. It has been OVER a month since my first communication with them on XX/XX/XXXX. I'm getting fed up with this process and need to get is resolved as soon as possible.
Consumer complaint received 2024-08-29
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This company is reporting fraudulent inaccurate. information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2018-08-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rocket Mortgage, LLC (TX)

Spoke with the representative from Quicken Loans around XX/XX/2018, she verified the amount that was owed for XX/XX/2018, which was about {$38.00}. She also explained why and told me she could take the payment over the phone, however I did not have the funds. Doing this time XX/XX/XXXX was owed and XX/XX/XXXX was late. I made a call again to confirm because I needed to make a payment over the phone. This time is was an EXTREMELEY DIFFERENT CALL. I was told I could not pay XX/XX/XXXX and they need all three months and they sent an intent to foreclose letter and the amount will need to be paid XXXX XXXX. I question when was the letter sent out because today is XX/XX/XXXX. After some research this was an old letter she spoke of and also our home is located in a disaster area after Hurricane Harvey, but I was told that this didn't affect us because we didn't start getting behind until recently and something else must of happened. We were also told that were now 4 months behind because " we know XX/XX/XXXX '' may be late as well although that payment is not due yet. I attempted to explain to a female who said she was in the executive office who was not any help at all as I attempted to explain what we could pay base on what we have which is pay the XX/XX/XXXX right away so that this did not affect our credit rating. Then take care of the XX/XX/XXXX payment by XX/XX/XXXX. Then the XX/XX/XXXX by the end of the month of XX/XX/XXXX, this was not satisfactory and the person stated if you would just not interrupt and let me explain it doesn't work like that. She also stated that this would not be a problem if I just paid what was owed when it is due and their would not be a problem. Quicken seems to have changed the dynamics of their customer service and hired sub par collections representative off the streets who are not properly trained. These individuals were rude, unhelpful and disrespectful for the most part. As it depends on who I was talking to, after the first representative the calls became worst and so did the individual person 's demeanor and customer service skills. As an alternative, I have sent hardship documentation via fax. We have no intention of having our home foreclosed on. We are also requesting that the late payment be removed from our credit files and apply the disaster indication to our account. Finally, I am a federal civilian military employee and except to be treated with dignity and respect just as all people should.
Consumer complaint received 2024-08-29
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. (NY)

The basis of my complaint today is to bring attention to this matter with XXXX, about this XXXX XXXX account XXXX. Account #, Date opened, Payment status and Payment history is all still inaccurate even after their investigation. Im requesting for immediate deletion of this account. I already sent multiple letters and complained about this to the cfpb XXXX. They investigated and results are still inaccurate and incomplete and both Transunion and XXXX are reporting different information. In regards to the late payments that are being reported. I completely got ignored during my last dispute is the CFPB going to hold XXXX responsible for this blatant ignorance?. The late payments on these accounts are fraudulently being reported and under 1666b they are suppose to send me a bill/statement in the mail 21 days before the due date which i never received and if there is proof of that please send that to me. Also under 15 U.S.C. 1681s-2 ) : The FCRA mandates that a furnisher of information must notify the consumer in writing of its intention to furnish negative information regarding any consumer debt directly to a consumer reporting agency. I have not received any such notification from creditor. I am requesting this account be removed from my credit report.
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX, I went to my bank ( Wells Fargo ) to withdraw money. I completed a withdraw form and then I was told by my cashier named XXXX I could not get the money because that amount was on hold, she then called the manager and the manager said come back next week because the check that I had deposited earlier was on hold. I went back to the bank on XXXX to withdraw the amount that should already be available and so I withdrew the {$5000.00}. At this time I found out that there was another {$5000.00} that was withdrawn previously. So I questioned how and what and was told that it was withdrawn on XXXX. I explained to the employee that I was not able to withdraw on that day because there was a hold and even the manager said I can not get that amount and for me to come next week. After that day I kept calling the bank and reporting my funds missing. The investigation was denied and I requested the surveillance. I went to the bank and watched the camera video and that video just showed that i gave the deposit slip to the cashier but no money exchange was shown in there. After that I kept calling and trying to get another investigation but everything was denied so I decided to take them to small claims court. On XXXX at XXXX, held at the Superior Court of California was my case. It was me against Wells Fargo. I explained everything to the judge and then the Wells Fargo attorney played the surveillance video showing that on XX/XX/XXXX the cashier is handing me the money. I was then shocked because there is no way that video is accurate. I never got any funds on that day. Then I told the judge that this video is sabotaged and it must have been switched to when i did actually get money on XX/XX/XXXX. The video looked odd itself. The video does not even show the manager speaking with me on that day. It seemed that it was either sabotaged or switched pictured at the handling of money. I did not know what to do or say. I told them to put those two dated videos on XX/XX/XXXX and XX/XX/XXXX together, and that why they are only showing that one day. I told the judge it was impossible and he said he will do further investigation. A few days later I received a letter in the mail stating that i lost the case. I am deeply upset and XXXX out from this situation. I have been accused of taking my own money when i did n't. I trusted Wells Fargo with my money and this is what happened. I did not know what else to do so I decided to write to CFPB. Hopefully I can get some help from you. Hopefully someone can get a hold of the video surveillance on those two days and compare and also other videos around the bank that can be added together for some proof. I believe that someone either stole my money and tried to cover up by sabotaging the videos or it was an error done by the cashier but was also covered up. Please help any way you can. Its not a few dollars its {$5000.00} missing from my life. Thank you.
Consumer complaint received 2024-08-29
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX..
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

I received my validation of debt after receiving another customers in the mail, but I received a copy of the contract that was not signed .I do not recall living at that address in XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX have violated my rights by Reporting this debt to my consumer report. 
According to USC 1692c ( c ) The law clearly states : IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT, THE DEBT COLLECT MUST CEASE ALL COMMUNICATION. 
By reporting this debt to my credit report is a form of communication. Please CEASE all COMMUNICATION!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I took out a personal loan with a company called Springleaf Financial and I was making the payments on time until I ran into some financial trouble. I tried to work with company to make payment arrangements but that would not help me and then took unauthorized payments out of my bank account with out my consent. Now the company has changed over to One Main Financial and I am back to making payments, I am constantly be called harassed daily on my personal phone and on my job my about making payment arraignments, getting my checking account information, and when is my next pay period. They even go as far as telling me to go barrow the money from someone else so that I can pay them.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (MD)

I am unable to afford the payments for MyFedLoans as I do not make enough money to afford it. I have tried to apply for forbearance and deferment and I keep getting the response that I am ineligible. My payments are not feasible to keep my student loans current.
Consumer complaint received 2024-08-29
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. (OH)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 XXXX 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 2024-08-29
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. (CA)

I am filing a complaint against TransUnion for its failure to provide access to my online credit profile, credit reports, and scores, as well as the ability to manage my credit profile. This has significantly impacted my ability to address fraudulent accounts and inaccuracies on my credit report. 

I am specifically disputing a fraudulent account that appears on my credit report : - **Account Name : XXXX XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXX XXXX XXXX **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened due to identity theft. Despite this, TransUnion has failed to permanently remove the account from my credit report. After initially being removed, the account has reappeared, which further violates my rights under federal and state laws.

TransUnions actions are in clear violation of several federal and California state laws, including but not limited to : - **Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, I have the right to dispute inaccurate information and have it corrected or removed from my credit report. TransUnions failure to permanently remove this fraudulent account, and allowing it to reappear, violates this law.

- **California Consumer Privacy Act ( CCPA ) : ** The CCPA grants me the right to have personal information deleted and ensures that it is not reintroduced without my consent. TransUnion 's reappearance of this account is a violation of these protections. 

- **Consumer Rights Under the FCRA : ** TransUnion 's failure to provide online access to manage my credit profile, reports, and scores further violates my consumer rights under the FCRA . The inability to manage disputes online has obstructed my efforts to address fraudulent information. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's practices and ensure compliance with all applicable federal and state laws. I demand the immediate and permanent removal of the fraudulent XXXX XXXX XXXX XXXXXXXX account from my credit report, along with a written confirmation that this account has been blocked from reappearing in the future.

TransUnions disregard for federal and state regulations has caused significant harm and stress. I expect prompt corrective action to resolve these ongoing violations of my consumer rights.