davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (FL)

Transunion responded to consumer 's most recent dispute regarding inaccuracies reporting on consumer report. Transunion must report accurate information according to the Fair Credit Reporting Act. The inquiries, adverse accounts, and fraudulent collections accounts need to be removed immediately. Transunion responded that the information was verified and the FTC Fraud report was not valid. Consumer is now requesting that Transunion provide documentation used to determine inquiries were authorized by the consumer. Transunion has 10 days to provide consumer with the name of individual that verified the information, documentation that was used in the verification process, signed application containing wet signature and please note consumer is NOT ASKING FOR E-Oscar report. Consumer is requesting a copy of the Consumer File, Not Report. Failure to provide the mentioned documentation Transunion must delete the information/accounts immediately. Transunion is liable under the Security Exchange Commission to follow certain rules due to the fact that they are securitizing the data on the credit report. If this credit reporting issue is not resolved in good faith and promptly I will be filing an IRS form XXXX omb to audit consumers account. Transunion commission file # XXXX TRANSUNION INTERMEDIATE HOLDINGS, INC. ( f/k/a TRANSUNION XXXX XXXX, a XXXX XXXXXXXX XXXX XXXX XXXX, TRANS UNION LLC XXXX XXXX XXXX XXXX XXXX XXXX ( the Borrower ), the Guarantors, 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 XXXX XXXX XXXX XXXX, as joint lead arrangers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as administrative agent and collateral agent.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CT)

A Mr. XXXX from " XXXX XXXX '' tried contacting me multiple times on XX/XX/2018, XX/XX/2018, and I finally picked up the call on XX/XX/2018. He said he was Collecting a debt that was once owed to Wells Fargo Bank. I called Wells Fargo to verify the Debt that was mentioned. They had no knowledge of whom owned the debt or if it had been collected ( This was a debt that I owed 10 years ago when I was in college that I thought I had paid off ). I called back Mr. XXXX and told him that I would be willing to come to an arrangement as long as they provided verification of the debt owed. After using harsh language and warning about a potential lawsuit multiple times, I asked for validation again. He proceeded to say some rather disrespectful things and hung up on me. 

I could not find out any information about this collections agency. I only know the telephone number that they called me from, which was ( XXXX ) XXXX
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I had an account with Capitol one. I closed my {$200.00} secured credit card account XX/XX/2024. As of today 's date XX/XX/2024 Capitol One has not refunded my security deposit. There were no defaults, nor were there any balances left on the account. {$0.00} amount is owed to the bank which would entitle me to a full refund of my security deposit. They have refused to issue me a cashiers check and when I call them customer service puts me on hold then hangs up. Please help! 

Attached are documents and photos showing that my account has been closed with {$0.00} balance since XX/XX/2024. It is XX/XX/2024 and I have not received my deposit back.
Consumer complaint received 2023-11-15
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. (TX)

This is the 5th time I have reached out about these inquries I also went on XXXX website and uploaded my report stating these inquiries need to be removed and 4 months it still isnt corrected
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I HAD IDENTITY FRAUD AND A FRAUD ALERT ON MY CREDIT REPORT. ALL OF THE CLOSED ACCOUNTS XXXX JPMORGAN WERE SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. MY ATTORNEYS AND I HAVE BEEN TO COURT XXXX TIMES AND THE CLOSED ACCOUNTS ARE STILL NOT REMOVED FROM MY CREDIT REPORT. ALSO THE ACCOUNTS ARE OVER 7 YEARS OLD AND NEED TO BE REMOVED FROM MY CREDIT REPORT. PLEASE HELP ME OUT WITH THIS. THANK YOU VERY MUCH. XXXX XXXX
Consumer complaint received 2023-04-21
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 — Their investigation did not fix an error on your report
Company: SN SERVICING CORPORATION (OH)

I was a co-signer on a business loan where this former partner filed personal bankruptcy and XXXX XXXX tried to hold me responsible for her loan where at closing they shared they would never hold me personally accountable and only our company. Upon reneging on their word at XXXX XXXX I tried to negotiate a XX/XX/XXXX settlement which was overly generous on my behalf based on their lie, of which they laughed at me. I proceeded them to protect my assets and position which ended with XXXX XXXX getting 100 % of nothing with a fully XXXX bankruptcy XXXX. I was given possession of a residential property for me to close a loan XX/XX/XXXX where we discovered the incompetents at XXXX XXXX had illegally and incompetently re-filed a lien on said property XX/XX/XXXX. My fully XXXX bankruptcy from XX/XX/XXXX had to be reopened to allow the judge in XXXX XXXX, OH to fine XXXX XXXX  and have them remove this illegal rifling. XXXX XXXX Mortgage is who closed my loan XX/XX/XXXX and it was purchased XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not reporting my loan to the three CRA 's because they incorrectly read the legal documents explained above and consider me a new bankruptcy which is obviously inaccurate. Their fear if that they will get fine $ XXXX if they report my loan to the three CRA 's which again they should be more fearful of coyotes and wolves flying and attacking all humans which is obviously too an unfounded inaccurate fear. My counsel XXXX XXXX has been told to me by XXXX Servicing that their counsel XXXX XXXX would contact him to allow the legal experts to clear this simple atter yet he won't speak to my counsel XXXX XXXX. The filings are found in XXXX XXXX, OH under my name and information. I simply want my home loan to be reported to drive my credit scores accordingly. XXXX XXXX
Consumer complaint received 2023-05-05
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: Self Financial Inc. (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (GA)

They illegally purchased my information without my consent. It violated The Privacy Act of 1974. They have been sharing my information illegally to other party without my consent. 15 USC 1681B, I have the right to privacy.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (MO)

Attempting to open online account with CIT Bank ( XXXX ). Input basic data ( name, address, employer, SSN, US Citizen ) and webite immediately responses with " Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No info is provided. 

Contacted bank and they advised to try resumbitting from different location. Done multiple times over multple dates from XXXX to XX/XX/21. All result in same immediate automated response. 

Contacted bank for more specific information. They advised that the automated system has checks to attempt to identify fraud and think that maybe IP address or computer I applied from may be issue. Explained have done from multiple PCs and a phone all with same response. They can provide no additional info. 

Advised them per federal law, they are required to tell you why you are denied a bank account ( wife XXXX XXXX XXXX 25 years ). They advised they don't send any letter or email explaining and could provide no additional info. Only option was to write to corporate office. 

I have an excellent credit score, no charge offs, bankruptcies, or unpaid accounts, and as the response was immediate, I suspect there is some other issue such as IP location, etc. The bank should be required to disclose specifics however.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MD)

I have talked to Wells Fargo Representative XXXX XX/XX/XXXX and now XX/XX/XXXX for so many times to dispute some transaction that I have no knowledge about and still existing on my account. They keep double charging my payment on account. And still not receiving the right amount back to my account. I have been complaining several times. Its been like a weeks now since they never communicate with me.
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: Experian Information Solutions Inc. (CA)

There is information disallowed by federal law that is on my credit report. This is suppose to be excluded. I never gave my consent in any form for this excluded information to be on my credit report. I am being taken advantage and harmed by Experian 's disregard of the law.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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. (MI)

I have contacted XXXX XXXX XXXX  XXXX for debt verification they have failed to provide. I have contacted XXXX and TransUnion for any form of verification they have failed to verify. Collection activities have continued after I have notified all parties in writing that the account is in dispute. I am requesting immediate removal from my credit report
Consumer complaint received 2023-11-15
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 section 602 A. States I have the right to privacy.

15 usc 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 7 years.

15 usc 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. 

XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX They have violated my rights
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE (NV)

GOLDEN 1 CREDIT UNION ; in the XXXX system Date of Closure : XX/XX/XXXX  XXXXACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/XXXX  this is not right and need to be removed
Consumer complaint received 2023-11-15
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. (GA)

I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

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 2023-11-15
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. (NE)

In accordance with the Fair Credit reporting act. XXXX account # has violated my rights.

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 an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-11-15
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (SC)

I had got notification that a td beyond checking account was opened in my name on XX/XX/. I never went in or asked anyone to open an account in my name. I was calling the given number to get this issue corrected. Only thing I got was automated voice. Today I decided to go to any Td bank to find out what was going on. First I went to the TD bank in XXXX XXXXXXXX. I ask the service guy about the account and that I did not open one up. I then showed my id and social and asked him could he give me a printout. When I received the printout it had an outdated address. He refered me to one of the managers, I talked to him for awhile. He told me where the account was opened up at. I was told the TD bank on XXXX XXXX in XXXX XXXX. I asked him should I go talk to them. Hw said yes, he gave me the address. I went to the XXXX XXXX branch location calm and collected. Since I walked through the door I was treated like I wasn't welcomed. The young lady ask me what I was there for, I told her I was there because it was fraudulent activity on a account with my name on it that I never physically open up. The young lady had I guess an attitude she said I would have to go to the police station and file a report, which I did. The officer gave me a card with a case number on it. He told me to tell the bank to call him, it would be handled. I drove back to the bank location and handed the young lady the card after waiting for 25 minutes while both bank teller was talking to a customer about football. Notice I am a minority, was or did I feel discrimination existed? Of course but that is besides the point. I asked the lady numerous times could I get a printout of transactions, she gave me the runaround with tons of excuses. I left got home and called the Branch Manager, which got even more awkward. He act like he didn't care. I told him I went to the station. I was trying to see who open these accounts and how could someone come in their branch with my identity, even though I did have my id, and social security card stolen a while back during an home invasion it's all documented and reported. How can someone open an account who does NOT!!! LOOK LIKE ME? I tried to reason with these people but they act like they are hiding something or getting high. I want to know exactly who open the account in my name and I would definitely like to pursue charges. They branch manager lied and said a family member opened up an account in my name. Why would he say that? Why they been didn't say anything. Also if that was the case which it isn't. Why would they let anyone open an account in person without me? Sounds suspicious. He was like the account closed, that's not good enough I want to know who is opening accounts in my name and why
Consumer complaint received 2023-04-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (TX)

I opened an investment with Ally banks with a regular monthly deposit into the account. However, after a few months, Ally bank website ( they do not have a physical branch ) does not give me access to my statements or bank information to the account. 

I have provided a picture of the account not shown below. Note that regardless of the time of the day, this is a permanent message on my account. It has been like this for months. 

I have called the team and they asked me to verify the account. I have answered their automated questions but they said they can't verify it still. So they asked that I send in my social security and driver license, which I did, and they have not done anything. 

Currently, Ally bank continue to withdraw from my checking account and does not offer me options to get my money back or stop the withdraw.
Consumer complaint received 2023-04-21
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. (IL)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2023-04-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (TN)

I took out a student loan for over {$120000.00} in XXXX. When I graduated, I was paying over {$1000.00} a month back with the help of my dad who co-signed the loan. In XXXX my dad died and I reached out to Wells Fargo to let them know that my co-signer died and I needed to arrange a payment plan because I wasnt making enough by myself. They refused to arrange a payment plan and when I didnt pay the full monthly payment they defaulted my loan. Im currently making {$100.00} a month payments for this defaulted loan while taking the hit on my credit
Consumer complaint received 2023-12-26
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. (VA)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX