davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2022 I was contacted by a person who I though was friends with on XXXX and said she invested her money some money with a person and got back a good amount on money back. She had the lady contact me by XXXX. I got a message from a person named XXXX she informed me that if I invest {$600.00} I would make a profit of {$6000.00} back the only thing I would have to pay is her commission which was XXXX XXXX of whatever I made. I asked all the necessary question a person would ask to make sure you are not getting scammed. I believed her and XXXX her {$600.00}. She confirmed the transaction on her side and said she would keep me posted on the investment. A couple of hours later she send me a message through XXXX saying that I made {$6000.00} and that she would transfer the money to me but that it would take a couple of hour for it to process. I replied and said that it was fine. And hour or two later I received a XXXX message saying that the money was ready and she would transfer but I would need to send her money as she need to pay the transfer fee. She stated that the Transfer fee would be {$1200.00}. I told her that it was a lot of money to transfer and she stated not to worry that I would get it back. I ended up trusting her and XXXX her {$1200.00} on XX/XX/2022. Later in the night of XX/XX/2022 I got another message saying that once again the money was ready but I would need to XXXX more money. At that point I questioned her and said that I had no more money and she say well see if someone and help you and you can send them back the money once you get your investment money. At this point I decided to actually text my friend who had referred me to her on XXXX. XXXX is is my friend texted me back right away and said " do not send any money to them it is a scam, they scammed me too and now have taken over my XXXX to have all my friend send them money. '' She stated that she lost access to her XXXX to these hacker and scammer. 
I contacted my bank which is Chase to report XXXX they stated that there is nothing I can do and that I can not get my money back.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX22 I noticed an alert from my XXXX app stating that someone applied for a Capital One Card of some sorts under my current profile. I have no knowledge of this application, nor have I applied myself. Please have this removed at once for I am attempting to purchase a home in the next few months, and I need to make sure my credit is at the most upstanding condition. Please let me know in the near future if there is anything I can do to assist in making sure this doesn't occur in the future. Under 15 U.S.C. 1666 a 2 I am informing you of a billing error and would like this to be removed as soon as possible so that i can avoid further damage to my reputation and credit history. Thank you.
Consumer complaint received 2023-12-07
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. (CT)

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 Account Number : XXXX has violated my rights. Or 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 2021-10-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

Hi, I am actually the receiver of the transaction. My uncle from the US had tried to send me an amount of total XXXX XXXX  through western union.

Bank : Western Union money transfer Date : XX/XX/2021 Transaction no. : XXXX I had opted for bank account deposit. Which would've the amount deposited directly into my bank account, thinking that would be much more hassle free. But the amount was never credited into my account and while talking to the customer care here in XXXX and the US they're not providing us with an efficient solution. Its been over 2 months and still we can't track the amount. 
Please requesting your assistance. 
Regards
Consumer complaint received 2020-12-08
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. (CA)

I have been a victim of identity theft and these fraudulent accounts have affected my credit reports. I will attach supporting documentation to support my claim. I will include a Federal Trade Commission report, Notarized Statement to support my claim along with proof of my identification.
Consumer complaint received 2024-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (LA)

The company is Regional Acceptance and there is no way that I purchased a vehicle 3 years ago and it's stating that I have only paid it down {$2500.00} ... when my notes are XXXX XXXX  monthly and I have never missed. This is predatory lending at it's finest. Also, to just verbal tell me that my interest rate is calculated daily and that I have even began to pay against the note yet, only the interest rate. Consumers are being misled and this happens every day. I've even seen it because I worked for an auto loan company.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (WV)

In XXXX I applied for the Truist Promo XXXX and was approved. On XX/XX/XXXX I made my a direct deposit of {$620.00} From my employer. From then on up until XX/XX/XXXX I made 15 qualified purchases ( as required for the promo ). After 6 weeks following the completion of the promo terms and conditions I reached out to Truist but was told to give it more time. I eventually stopped in at a Local Truist Branch office and was told they don't handle promos. After speaking with a customer service representative later on I was told I didn't qualify for the promo because I hadn't made any deposits. I informed the representative of the dates of direct deposits and amounts and the representative said they'd call me back after they look over my account. I haven't heard from them in over 3-4 months. The Promo page says I don't qualify for the promotion reward of {$400.00}. I'm about to close out my account because I'm wasting $ XXXX just to keep the account open waiting for my reward but, I need that money.
Consumer complaint received 2021-02-11
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. (MD)

Transunion has violated federal law on XX/XX/XXXX I sent in a dispute letter for inaccurate accounts showing on my credit report I received a response on XX/XX/XXXX. The date on the letter says XX/XX/XXXX that date is questionable. More important than the questionable date I demanded under the Fair Credit Reporting Act for proof that these accounts are accurate which I received no proof of. This account still to this day does not state that the account has been disputed. U.S.C 1681 s-2 clearly states that creditors have the duty to provide notice of dispute which Transunion has not. These inaccurate accounts have caused me stress. I will add evidence in this complaint of this inconsistent false reporting account. I have been keeping track of all communication I will also attach a certified letter that I sent in response to Transunion automated letter. In this letter, I go into detail about some of the federal laws Transunion has violated. As well as addressing their negligence to address unauthorized inquiries and verify XXXX XXXX account. I hope I will not be forced to take legal action but I am prepared to. I would like to add I do not consent to e-Oscar or any means of automated verification I am a consumer with rights I demand to be treated with respect.
Consumer complaint received 2022-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

After filing Indentity Theft with FTC as well as CFPB... I attempted to call Equifax at XXXX of there XXXX numbers XXXX. Asked for the Fraud Department and the woman who answered the phone, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I asked to be connected to " fraud dept ''. The customer service rep would only give me the name XXXX XXXX XXXX  with no employee number.XXXX XXXX advised that she was the " fraud dept ''. I advised I filed FTC report and CFPB and I wanted to call, with sense of urgency, regarding " Inquiries '' being reported on XXXX XXXX  XXXX stated she would need my social security card and another form of identification and she would be sending me documents to fill out ( police report ). I advised my rights according to 15 USC 16811 ( 3 ) ( c ) ( II ) that sufficient information may consist of a standardized form describing general nature of situation ; 15 USC 1681H ( a ) ( 1 ) I am ONLY required by law to provide proof of identity.. my driver 's license would do. XXXX was also in violation requesting that I fill out additional paperwork and it would take up to 5 days.. Nothing in the law requires me to provide additional documents other than what I already submitted prior. This stall tactic is a blatant disregard to our FEDERAL LAWS. 

XXXX was being very disruptive and when I clearly was getting nowhere fast, I asked I could speak with her supervisor. She stated, Well.. that will be hard because there are several. " I asked to speak to the one who is working over her today ( Friday XX/XX/XXXX at XXXX XXXX XXXX ) and she said she could not allow that and I advised her I was going to start recording the actual call and I had to inform her ; however, in the state of Florida, there's a fine line and you can record pretty much any phone call without notice ) XXXX began to get agitated and staying " I better don't ( she actually said that ) record her that they don't allow that and that they were a government branch '' I cut her off and said " What? '' Are you actually impersonating a branch of the Federal Govt? Are you kidding me.. now I am going to record you! '' The phone went dead... I was disconnected.
Consumer complaint received 2022-12-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Currently have an account with XXXXXXXX XXXX XXXX  This is a line of credit. Balance on credit report has not changed in 3 months after several payments. 

All three reporting credit agencies report wrong balance. 

This affects my credit score. 

I believe XXXXXXXX XXXX XXXX is not reporting correct balances to credit agencies. 

XXXX contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2023-02-11
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)

In accordance with XXXX Credit Report 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.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/XXXX - Was required to use the service as part of a hard inquiry for a car loan. I agreed to pay the {$1.00} fee. I then went to their site, created an account, and requested the subscription be cancelled. No response. 

XXXX - My card was charged {$24.00} despite my cancellation request. I then went into the account, deleted my payment method, and unenrolled from the service. It said that it went through. 

XX/XX/XXXX - My card was charged {$24.00} for a second month, despite my prior attempts to cancel the subscription and delete the payment method. I then tried to access my account, and it first said I needed a security code. It did not come for half an hour. In the mean time, I tried accessing my account again through " forget my password, '' it asked a security question. I gave the answer I used when I set up the account, and it said that it was incorrect. I then put it in again, and it failed. Thus, my account was locked/disabled. I then got the security code, and it further disabled my account. I then went and called customer service, and was on hold for an hour. Then it disconnected. There is no way to access my account in order to cancel the subscription and my account. They charged me twice for a service I cancelled.
Consumer complaint received 2024-11-15
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. (MA)

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : XXXX XXXX XXXX XXXX XXXXXXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-15
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. (TX)

I am 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 2023-03-06
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)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # 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 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 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have had a Capital One Platinum card since XX/XX/XXXX. In XX/XX/XXXX, I applied for and received a Capital One Quicksilver card. Beginning in XX/XX/XXXX, the Quicksilver card information was stolen and I was forced to request a replacement. Over the course of the following four months, it was stolen an additional six times, on one notable occasion while the card was still in the mail on the way to me, before it had been activated. If possible, I would like the damage to my credit rating incurred by this incident repaired, and my ability to secure a card with a more reliable, competent credit provider restored. 

Sequence of events as follows : XXXX XXXX - XX/XX/XXXX {$54.00} of fraudulent charges across 5 instances and 3 vendors. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$17.00} of fraudulent charges across 2 instances and 2 vendors. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$16.00} of fraudulent charges, 1 instance. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$540.00} of fraudulent charges, 1 instance. Capital One provided a purchase adjustment then closed not only this account, but my other account which did not have chain-theft problems as well.

3 other instances of card theft occurred but were caught before charges posted, and are not displayed in my account history. Business and websites that fraudulent charges were made to as well as exact dates are available on request.

Capital One was able to provide no insight or assistance as to how the thefts were happening so frequently or quickly, but having a card stolen before I had even received it leads me to believe that the problem was on their end, not mine.

While Capital One has been willing to reverse the fraudulent charges incurred on my account, they recently cancelled both my Quicksilver and my Platinum cards without explanation or warning, and the hit to my credit rating has caused me to be rejected when applying for a new card elsewhere. While I certainly will not be providing Capital One with my business in the future, the inability to seek a new, more competent credit company is causing me considerable difficulty. Any assistance with credit rating repair and ability to acquire a card with a less compromised credit provider would be appreciated.