davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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)

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 


I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (TX)

On XX/XX/XXXX XXXX XXXX received and accepted through certified mail a dispute for the following accounts : ( XXXX XXXX XXXX  ACCOUNT # XXXX ), ( WORLD FINANCE CORPORATION XXXX XXXX ). XXXX did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, XXXX failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
Consumer complaint received 2024-10-30
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-11-01
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. (CA)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, XXXX XXXX Date of Birth : XXXX Last XXXX of XXXX : XXXX DATE : XX/XX/year> Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau XXXX I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA. 

XXXX5 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (NJ)

I was using my XXXX XXXX XXXX XXXX to pay for my rent on XX/XX/2023. I paid back my statement balance early from my previous month ( XXXX ) on XX/XX/2023 to ensure my rent payment can go through. However, after several days, I got a notice from my landlord building saying that my rent ( check ) got returned by Wells Fargo ( the bank that issued the credit card ) on XX/XX/2023 and I got charged {$470.00} late fees because of the returned check. I did not get any notifications from XXXX or Wells Fargo about the insufficient fund ( insufficient credit limit ) on my account before XX/XX/2023 ( which is the date that my landlord 's grace period ends for rent payment ). 

What's more, I paid back my previous statement balance on XX/XX/2023 and thus my credit limit is well above my credit limit. As a result, I contacted both XXXX and Wells Fargo asking them the reason my rent payment got returned and they keep saying that I have insufficient funds ( credit limit ) on my account which makes no sense. The customer service representative hung up on me after arguing with me for over an hour on the phone.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I received a letter from the Department of Education on XXXX  stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). XXXX XXXX has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( XXXX, Equi Fax, and XXXX XXXX frequently. I contacted XXXX XXXX by email and phone call on XXXX XXXX  and XXXX The student loans with XXXX XXXX ( for XXXX XXXX XXXX XXXX ) student loans were discharged based on a letter from the U.S. Department of Education on XXXX  stating that the Department is discharging my loans without requiring I file an application because of the per. XXXX and / or XXXX ). I contacted XXXX XXXX verbally and they explained that it is discharged and they will remove it from the 3 credit agencies. I sent copies of this letter to the email address for XXXX XXXX  ( XXXX ). I received no responses by email, but it was conformed during phone call with XXXX XXXX that they received my letter each time. I have tried to dispute and XXXX XXXX still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with XXXX XXXX and I have no negative history. I am requesting that this be removed from XXXX, EquiFax, and XXXX.
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (IL)

Took out a car loan with Wells Fargo XX/XX/XXXX. Paid the loan in full. However now Wells Fargo has been ordered to pay a massive fine for defrauding its customers between XXXX until now. I believe I am a candidate For some of the settlement
Consumer complaint received 2023-08-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CT)

I have been harassed by phone for months by XXXX XXXX XXXX, who I think was previously harassing me under a different company name. Multiple phone calls per day, seven days a week -- two today already ( XX/XX/23 ). They state I owe {$970.00} to a company called Check N Go. I never received money from this company, I've never even heard of it. I called them today and requested their address, and also then to speak to a manager after they refused to give me any co. information. They refused to put me through to a manager. 

This happened to me a few times with different companies in the last few years, one of them more recently I believe being whoever XXXX was prior to being called XXXX, as the same male with a southern accent left the same messages under a different company name previously ( shut down their scam shop and opened under a new name? ) I am being harassed for money I never took from a co. I never heard of. This is disgusting, predatory behavior by this " debt collector ''.
Consumer complaint received 2022-09-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX, account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-08-18
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)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA (MS)

The vehicle that was sold to me new back in XXXX XXXX XXXX was a XXXX XXXX and I was over priced for the vehicle. I think I was over charged for the vehicle at {$28000.00} or maybe more. I dont understand how or what the salesperson did to give me car and the salesperson was fired shortly there after the sale. When I owned the vehicle I was promised full bumper to bumper warranty and shortly there after the car needed repairs thats when I found out that they didnt include the warranty in my deal that we had discussed and I signed off on it not knowing. About XXXX I looked further into the situation and got nowhere. The car took a turn for the worst and wasnt covered by the warranty that I signed up for so I fell behind on payments because of the faulty vehicle. During that time period I also had a few recalls on the vehicle. Since XXXX the vehicle has been in Repo and the vehicle was finally picked up in XXXX. Also before that they were already reporting negatively on my credit and because of that I cant ever get another vehicle. I asked the dealership to resolve the issue and why was the deal changed without my consent I was told it was too late and that they cant do anything about it. Is this a lost cause for me and my situation???? My credit is forever tarnished. I would tell other consumers to stay away from Kia And Hyundai XXXX institutions.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (TX)

I had applied for Rental Assistance and was approved to get the 3 months paid off but the assistant manager of the apartments said they were not participating in the XXXX rental assistance program anymore. I sent emails to the manager to show proof of approval to pay off the amount. We went to court and the attorney representing the apartments dismissed the case along with the judge dismissing the case I have the letter from the judgment of dismissal of the case. They recently put it on my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called the company in XXXX in order to enter into a payment plan to avoid a charge off. I was provided incorrect information and the account was charged off. After many attempts the company refused to resolve the issue and reported it incorrectly. The debt was then sold to third parties who referred me to XXXX XXXX for the XXXX and XXXX XXXX stated that i need to reach out to the third parties. I have spent years attempting to get this resolved. I have paid in full. The company refuses to acknowledge their mistake. XXXX also erroneously responded to a previous CFPB complaint regarding the same issue stating their information was correct. The XX/XX/XXXX letter confirms the allegation in question was correct and XXXX XXXX once again provided incorrect information to myself and the CFPB. 

On XX/XX/XXXX I received a letter stating that they acknowledge that I was not provided accurate information and offered me {$35.00}. I filed a claim for more and was again given the run around. At first my claim was ignored, then I was told I was approved for additional compensation, then I was told that was incorrect. I followed up repeatedly to understand why my claim was denied and I have been ignored.
Consumer complaint received 2024-11-01
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. (CA)

I am writing to formally request the removal of unauthorized accounts and inquiries on my credit report following a recent data breach in which my personal information was compromised. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit file. Below are the details of the accounts and inquiries that require immediate action. 
Unauthorized Accounts and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My Cap One Platinum Credit Card Account that I have had for almost 6 months was closed by capital one and adversely affected my credit score. I recently had to switch bank accounts and the account I added to pay the bill had sufficient money in the account and I have no idea why the payment was returned. 

Capital one said there was insufficient funds which is not true. I contacted the bank and they said they never had any kind of electronic payment go through but the account information that I gave Capital One was correct. I do not feel my account in good standing should have not been closed and credit history ruined because of a returned check that wasn't even a payment to this account. The payment that was made on a different capital one account was the correct account number and that had the funds to make good on the payment. 1-2 returned payment in a year does not erase a lot more payments that were good and on time. Please reverse this closing to my account ( s ) that has been paid on frequently with correct bank accounts. I will include bank statements from the bank account number that was added to the account and verify that the accounts were good and in good standing. Thank you, XXXX XXXX
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: OneMain Finance Corporation (FL)

I have received various calls and text messages from OneMain Financial BrightWay. Today, XX/XX/year>, I called them about my debt and discussed my financial situation. They agreed to settle the account for {$390.00}. I agreed to the settlement offer and requested it in writing before making the payment. The agent told me that they can not sent anything in writing because they do not have the capability to do so. I told them that I was not going to make a payment without having something in writing and requested to at least see this information in their app but they said they could not.
Consumer complaint received 2024-11-01
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. (IL)

I filed a FTC Report XXXX XXXX for possible identity theft. I also contacted the creditors and credit bureaus. Via mail and phone several times. With no resolution. These inquiries are hurting my credit. I also placed a fraud alert... I did not apply for credit with any of these companies! I need these inquiries removed immediately... 

Inquiry an date : 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