davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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)

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. 

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

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

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

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

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


XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Consumer Financial Protection Bureau, I am XXXX  and I lived in CA for two years with a XXXX XXXX. During this time, I worked with XXXX authorization with a XXXX, and I spent around USD {$180000.00} a year ( USD {$100000.00} only in my credit card ). Now, I am coming back to CA to do my XXXX, and I would like to get my credit score. However, the system was not able to get my credit score. Even my bank was not able to see my score ( XXXX  XXXX ). Please, let me know how I could get it back. 
Best, XXXX
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Capital One credit card in XXXX, XXXX with a line of credit in the amount of {$500.00} and six months later in XXXX, XXXX I received a line of credit increase. I was advised that I would get another line of credit increase six months after the increase in XXXX, but when I requested a second line of credit increase in XXXX, I received a letter from Capital One stating that my average monthly payments too very, however, I make multiple payments above my minimum payments every month. 
Today ( XX/XX/XXXX ), I submitted another line of credit increase and again, I received an automated letter stating the same reason for denial on a credit limit. 
When I contacted Capital One, representatives only apologized for the inconvenience but did not offer any resolution and I was told to apply again for a credit limit increase after six months.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I would like to request a validation of debt from XXXX XXXX. As you'll see in the attached photo in the account info section XXXX stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

there are plenty of inaccuracy on my credit report and i notice accounts that i am not aware of please delete it and for the open accounts or close accounts that has lates only on it please remove late payment remarks
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

. See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-19
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

On XX/XX/XXXX Navient sent me a School Misconduct Discharge application for the private student loan I have with them. The private student loan is for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is closed now and has been for years. XXXX ( XXXX XXXX ) was closed due to scams & fraud. I attended XXXX before being withdrawn from my classes without notice by XXXX. 

When I went to XXXX to enroll with my mom they informed us that I qualify to attend the school using federal loans and scholarships. How no additional loans/payments/ funding was needed. My classes started on XX/XX/XXXX. XXXX  pulled me ( XXXX years old ) into their office without my mother-after the classes had already started and told me to sign for a private loan. I was pressured and harassed to signed the loan. 

Please review the start of my classes and the date the private loan was signed. ( When do you apply for a loan after already being approved to attend a school and days after classes have started ). 

There was also a lawsuit XXXX XXXX XXXX, which proved XXXX to be guilty of their illegal actions. All of my federal loans were removed due to the lawsuit. 

I received a Denial application notice on XXXX XXXX from Navient. There was no details on why that decision was made. 

Navient selected me to send the School Misconduct application to, but denied me of it. Even with XXXX being a closed-fraud school and me having proof of the misconduct from XXXX. 

Ive paid XXXX  after being kicked out the school in XXXX and I havent received any refunds to this day. 

Im contacting your company to ask for your help please. I would like to know why was my application denied and may I do an appeal? 
Thank you!
Consumer complaint received 2024-02-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (KY)

I have talked to the company in regards to missed payment. Signed a deferment but still owed {$160.00}. Onemain financial calls XXXX times a day, 6 days a week from random numbers, sends emails, text " reminding me that my car is on the loan and could be taken '', sent a letter to my home that you could see through the address portion the letter was for missed payment. This is crazy and causing added stress as I am working to pay my bills. I can also submit phone records to show reptitive calls on a daily basis.
Consumer complaint received 2024-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

THIS ON GOING INVESTIGATION WAS WHEN ALL XXXX CREDIT VENDORS SAID I HIRED XXXX TO HANDLE MY PAYMENT AFFAIRS WHICH I DID NOT. MY CARDS WERE IN GOOD STANDING AND UP TO DATE WITH PAYMENTS AND AN ACCEPTABLE CREDIT SCORE. THEY ASKED FOR PROOF I DID NOT HIRE XXXX XXXX AND CANCELLED ALL SERVICES XXXX SAID i HIRED THEM FOR. BUT NO PROOF OF PAYMENT TO XXXX WAS GIVING NO PROOF I HIRED XXXX XXXX AT ALL BUT THE CREDIT VENDORS REPORTED MY POAYMENTS AS LATE AND CANCELLED ALL CARDS AND ACCTS. IN TURN MESSING MY CREDIT SCORE WAY BAD. IT'S IN THE LOW XXXX 'S RIGHT NOW AND I'M STILL MAKING ABOVE MIN PAYMENTS AND STILL KEEPING MY END STRAIGHT AND YET MY CREDIT SCORE REMAINS BAD. I AM WITH SECTION XXXX FEDERAL HOSUING AND I CAN NOT KEEP AN APARTMENT WITH BAD CREDIT. SEC XXXX ONLY GIVES PEOPLE ONE SHOT AT A PLACE TO LIVE ONLY ONCE. NO SECOND CHANCES. I WANT MY CREDIT SCORE TO RETURN TO GOOD AND FOR ALL CREDIT VENDORS TO HONOR THEIR PAYMENT PROGRAMS I HAVE ENTERED IN TO TO PAY ALL THESE BALANCES OFF. I HAVE PROOF OF CANCELLATION LETTER FOR XXXX XXXX EVEN THOUGH I NEVER HIRED THEM AND I'V E GOT BANK STATEMENTS SHOWING MY PAYMENT HISTORY BEING IN THE GOOD WITH ALL CREDITORS. I ALSO HAVE EMAILS OF CAPITAL ONE THREATENING ME ABOUT LATE PAYMENTS WHEN I WASN'T LATE. THEY'VE ALSO GOT ME CHARGED WITH CASH ADVANCE INTERESTS AND I DON'T HAVE CASH ADVANCES I'V E GOT PROOF OF THAT TOO.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-28
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. (IL)

The list a list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681 did XXXX report on XX/XX/year> and noticed somethings are a complete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares if you follow reasonable procedures to XXXX maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) and according to 15 USC 16815 they are supposed to do this ( 5 ) inaccurate or unverifiable information ( A ) in general if after any navigation on the paragraph ( 1 ) of any information disputed by the consumer, and item of this information is found to be in accurate or incomplete or can not be verified, the consumer report agency shall ( 1 ) probably 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 ) probably notify the porsha of that information that the information has been modified or deleted from the file on the consumer. And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency it all has reasonable believe that the information is inaccurate. 



XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IN)

Hunter Warfield of XXXX, FL, reached out to me in XX/XX/year> regarding a supposed debt totaling {$100.00}. After conducting thorough research, I politely requested verification of the debt via mail. 

Upon receipt of the verification letter on XX/XX/year>, I found enclosed an invoice-style document from one company and segments of a contract ( which I had previously signed ) from another company. Curious about the connection between these entities and their authority to issue an invoice, I reached out to a representative from Hunter Warfield for clarification. 

Unfortunately, the conversation did not yield the clarity I sought, as the employee 's response was difficult to understand and they seemed to mumble. Despite my repeated attempts to clarify and understand, I did not receive a clear explanation. All I understood was that " I have no right to know what contracts, if any, the two companies had signed between each other ''. 

It also remains unclear whether the company I have a contract with will try and/or is able to send me a second invoice in the future as I do not know what sort of agreement the two companies have. 

It appears that the validation of the debt remains uncertain, and I believe any impartial third party presented with the same documentation would share this sentiment. 

When I expressed that the verification of the debt was not satisfactory, they offered to settle the debt through one of my credit accounts ( which were named by the representative ). I rejected and I was informed that further assistance could not be provided, and the debt would stay in my name.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate adjustment of the following erroneous information on my credit 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
Consumer complaint received 2023-06-14
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, 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 a account without my written instructions. The following Accounts : Original Creditor : XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MS)

Subject : Formal Complaint Against Wells Fargo for Unlawful Account Hold and Access Denial Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding the unwarranted hold placed on my account and the denial of access to my online banking services. As a military veteran currently stationed in Ohio, I find myself in a distressing situation with no access to my funds and no viable means of resolving this issue due to the absence of Wells Fargo branches in the state of Ohio.

Wells Fargo has placed a hold on my account, preventing me from making withdrawals and debits, while also denying me access to my online banking services. Despite my repeated attempts to resolve this matter over the phone, I have been met with refusal to verify my identity and provide me with the necessary access to my account.

As a member of the military stationed in Ohio, I am unable to visit a Wells Fargo branch in person, as there are no branches of the bank located within the state. This has effectively rendered me incapable of resolving the issue through conventional means.

Wells Fargo 's actions not only violate basic principles of customer service but also potentially infringe upon several banking laws, including but not limited to : 1. **Uniformed Services Employment and Reemployment Rights Act ( USERRA ) ** : Wells Fargo 's refusal to accommodate my military status and provide alternative means of verifying my identity and granting access to my account may constitute a violation of my rights under USERRA .

2. **Electronic Fund Transfer Act ( EFTA ) ** : By denying me access to my online banking services without a reasonable alternative, Wells Fargo may be in violation of EFTA , which guarantees consumers the right to access their electronic funds.

3. **Fair Credit Reporting Act ( FCRA ) ** : Wells Fargo 's failure to properly handle my account and provide adequate customer support may constitute a violation of FCRA, which requires financial institutions to maintain accurate and up-to-date customer information.

I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Wells Fargo provides me with immediate access to my funds and online banking services. Additionally, I request that appropriate actions be taken to hold Wells Fargo accountable for their disregard of banking regulations and their failure to provide adequate customer support, especially to military personnel. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2019-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MN)

In XXXX of XXXX and XXXX of XXXX Iowa Student Loan/XXXX loaned me two amounts {$5800.00} and {$3700.00}. No problems with that but as I learned about repayment and and interest rates when reviewing things I learned that my interest rate was 8.4 % fixed rate. I tried refinancing a few years back when my husband mentioned how high that was, and at the time I didn't care much i was doing my job by just paying my debt. Now today, I opened my account to review it again and just realized what I've been doing and how I'm getting taken advantaged of. Those two loans total {$9600.00}, however the payment history showed that I have paid {$18000.00} to date- that's twice the amount of the loan. And to brake it down {$6200.00} for a principal and {$12000.00}. I'm outraged by this, I feel like that have taken advantage of me and now here I sit with a feeling that this isn't right at all. I still owe {$7000.00}. I feel like i've been ripped off. That they are just reaping in the benefits of all this interest and here i am stuck paying this loan off till i'm XXXX. How can this be right?
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

This is not my credit card ; I am just a cosigner. The account is open, but my credit report shows it as closed. Payments are overdue, with {$100.00} in scheduled payments. I am handling this situation, but the debt is not mine. 

1. He's been making payments in which you didn't know about causing your credit score to decrease. 

XXXX. You have talked to your family member to bring the account back to current status with a posible pay off. This Home Depot Card was originally owned by my father-in-law and the account remains open.

3. You will be monitoring the account going forward. And send us a statement with account balances as he's making these payments
Consumer complaint received 2023-07-19
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. (NC)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX Balance : {$3400.00}