davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
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. (AR)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). XXXX kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MA)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2024-10-23
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (WA)

On XXXX XX/XX/XXXX, I attempted to follow specific instructions by Netspend/ skylight to cash out the amount of my payroll check to pay my mortgage and car payment as they do not accept funds from a prepaid debit card which is what my company uses to do paychecks until Direct Deposit is set up - that is a whole other issue, however, I took the netspend check to XXXX XXXX, followed the instructions, XXXX XXXX  could not in the end cash the check, but Netspend had taken the money from my card prior to the transaction being completed, then could not put the money back for over 4 business days even though I sent them the voided check the next day. This cost me over XXXX in fees and then I was told I could call them, get reference numbers and get the rest of my funds out, and now they say they can not do that. This is now the XXXX of XXXX and I still can not access my money outside of XXXX per transaction at a ATM which charges for each transaction and a limit of XXXX a day which will take me over XXXX days to recover my cash to put it in my actual bank account. I was told by my payroll person that Netspend/Skylight would be able to get me the cash in XXXX reference numbers/XXXX XXXX but that is not correct. I still have not been able to access my money other than using it for purchases which is not what I need.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In the wake of the XXXX hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ XXXX can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon XXXX XXXX XXXX to Weds XXXX XXXX XXXX.
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (CA)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to the tool made available by Equifax Inc. my information has been impacted by this cyberattack, including my SSN, date of birth, address, and possibly my driver 's license number.
Consumer complaint received 2024-11-09
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)

This is my 10th requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-11-09
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. (GA)

Dear CFPB, I am writing to seek your assistance with an ongoing issue I am experiencing with Transunion, XXXX XXXX XXXX. Despite my efforts to initiate an investigation into certain items on my credit report, the bureau has repeatedly claimed that I am not the individual requesting this information. As a result, they have failed to take any action on my request. 

I have provided all necessary information and have verified my identity multiple times to the credit bureau, yet they continue to deny my request. This situation is incredibly frustrating and has significant implications for my financial well-being. 

I kindly request that the CFPB hold Transunion, XXXX XXXX XXXX accountable for their lack of action and ensure that my investigation proceeds without further delay. It is essential that my rights as a consumer are upheld, and I believe your intervention is necessary to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-09
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)

I've contacted the credit bureaus on multiple occasions most recently XX/XX/year> in regard to inquires, addresses and accounts that don't belong to me. The requests are being ignored and not being responded to although they have no proof of this/ these debts or inaccuracies being mine. I am requesting that the inquiries be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following addresses are NOT mine nor have I ever lived at nor had any affiliations. I've lived on XXXX XXXX XXXX XXXX 6 years : XXXX XXXX XXXX XXXX tx XXXX and XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX. PLEASE REMOVE.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or about XXXX XXXX of XXXX, There were several unauthorized charges made to my account. ( See attachments below ). Upon realizing that I did not have my card in my possession, and after I logged in to view my account, I noticed there were charges totaling $ XXXX which is OVER my credit limit! 
The item is in dispute because these unauthorized charges on or about XXXX of XXXX were unauthorized. I reported this claim to XXXX as soon as I was made aware of these charges on or about XXXX of XXXX, when I logged into my account and finally noticed these charges. 
XXXX 's investigation alleges the claim was denied because I " made payments for the months of XXXX and XXXX of XXXX '' and that I " took long to report the claim. '' However, the payments that were made in XXXX of XXXX were from AUTOPAY. I did not CONCIOUSLY make these payments. I reported this claim as SOON as I found out my card was lost/stolen, which was the same day I reported the claim .I did not " wait '' to report it. 
XXXX now claims that I need to file a police report and a frivolous " Identity Theft Affidavit '' In order to have these charges removed. However, the local police department advised me it is too late to file a police report since the date of this first incident was over 1 year ago. Furthermore, XXXX XXXX XXXX words and now wants to fill out, under duress, the " Identity Theft Affidavit, '' through the pretense that I " never applied for a credit card through XXXX and. '' However, in direct contradiction to this, I never stated that " I did not apply for this XXXX credit card account. '' I specifically stated that this credit card was LOST and NOT in my possession between the months of XX/XX/year> XX/XX/year>. 
Therefore, I am not liable for the charges from XXXX XXXX XXXX and hence disputing these charges. 

Lastly, The unauthorized & fraudulent auto-debit payments and fees from XXXX to this account has ultimately led to the checking account being closed. 
Many others in my similar situation have also been victims of fraud by XXXX, which resulted in XXXX having to return more than XXXX XXXX consumers that were harmed by XXXX in recent years. ( See attached ). 

XXXX has financially abused my account and has not been fair. I properly reported this claim as soon as it came to my knowledge that my card was lost/stolen.
Consumer complaint received 2024-11-09
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. (NJ)

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX BALANCED {$1200.00} XXXX XXXX BALANCED {$15000.00} XXXX / XXXX XXXX BALANCED {$1200.00}
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The credit card company Capital One Quicksilver seems to be having difficulties receiving the monthly payments. This has happened 3 months in a row. Last month I had provided the requested information from my bill pay company through XXXX XXXX XXXX and the information was accepted by Capital One and payments were posted as dated and fees were reversed. Again this month the payment has not been received. It was debited from my account on XX/XX/XXXX. I have been calling the company every day since the XXXX of the month to check on receipt. I made the minimum payment through the company when the due date ( XX/XX/XXXX ) arrived and it had not been received. I am in process of filing another investigation through Capital One but find this process unacceptable. No other credit card company or utility company has difficulty receiving the payments through my bank on time. This company is saying they dont receive them at all and then after investigation seem to find them. I think the problem is on the companys end and I should not have to do this every month. I have closed my account and will pay off balance as soon as I can.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was part of the XXXX security breach. Not only is Transunion making it almost impossible to actually freeze my credit they are instead encouraging me to purchase their identity protection. It is bad enough I am going to have to pay for a credit freeze, but I have to jump though many hoops to do it. Freezing your credit should be basic and free considering you are forced into this system of having credit to pass a background check or purchase a home or car. Thank you for taking the time to read this complaint.
Consumer complaint received 2024-11-09
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)

Identity theft. Someone was able to get an auto loan and a CAR with my credit score, a student loan, and multiple credit cards. As soon as I discovered this, they stopped using the cards and paying for them if they were paying the debts off. Now my credit score is terrible due to this identity theft. I tried repeoring this to the three credit bureaus and nothing has been updated, even after giving them a police report number and FTC report number.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports at a time when the bank claimed there was no existing relationship between myself and the bank between XX/XX/XXXX through XX/XX/XXXX and beyond. 

In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, I've had my personal, financial and private information grossly compromised due to such conduct and behavior.
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (FL)

Equifax has mishandled my information. It has recently become known that Equifax 's database was breached, putting myself and millions of others at risk. Furthermore, in spite of knowing about it for some time, Equifax made little attempt to notify me. This has now has cost me several hours, and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from any company, especially one I have never chosen to do business with. 

Please take prompt and decisive action to ensure that something like this does not occur again.
Consumer complaint received 2017-09-13
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. (TX)

Equifax allowed my information to be hacked, and they waited 30 days to notify me. Now when attempting to place a fraud alert on my account their phone and website are not functioning properly.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally obligated to maintain only accurate, fair, and up-to-date information on consumer reports. The entries listed below are inaccurate due to errors related to the processing of my accounts within the XXXX XXXX XXXX XXXX, which did not authorize derogatory closures or delinquencies. Additionally, under 15 U.S.C. 1681i ( a ), as a consumer, I hold the right to dispute any inaccuracies, and I am hereby requesting that your agency, per federal law, investigate these accounts to correct or delete the inaccurate information within the mandated 30-day timeframe.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear TransUnion, I am writing to formally request the removal of a settled charge-off account listed under XXXX XXXX XXXX from my credit report. Below are the account details : - **Creditor** : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - **Original Balance** : {$12000.00} - **Date Opened** : XX/XX/XXXX - **Date of Charge-Off** : XX/XX/XXXX - **Current Balance** : {$0.00} ( Account Paid in Full via Settlement ) This account was settled in full, and the outstanding balance is now {$0.00}. Although it is reported as a charge-off, it has been resolved, and I believe that retaining it on my credit report negatively affects my credit profile. 

As this account is now paid and closed, I respectfully request that TransUnion remove this account from my credit report as a goodwill gesture. Given my effort to resolve the balance in full, I believe this removal would more accurately reflect my current financial responsibility. 

Thank you for considering this request. Please notify me once the account has been removed and provide an updated copy of my credit report.
Consumer complaint received 2024-11-09
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)

XXXX # XXXXSubject : Request for Debt Validation Account Number XXXX Dear XXXX XXXX Disputes Department, I am writing to formally dispute the debt associated with my account, account number XXXX. I request that XXXX provides full validation of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following : Verification of Debt : A detailed breakdown of the charges associated with the account, including the nature of each charge and any interest or fees applied. 
Proof of Ownership and Authorization : Documentation proving that I authorized this account and consented to the services/products listed. I request a signed contract or terms of service documentation. 
Details of Equipment and Services Provided : Confirmation of all products and services associated with the account, including devices, service dates, and transaction history. 
Transfer of Account Details to XXXX, XXXX : Documentation confirming the transfer of this account to XXXX XXXX XXXX, along with any correspondence indicating this change. 
Proof of Payment History : A full payment history, showing payment dates, amounts, and any fees applied, to verify the balance stated. 
Compliance with FCRA and FDCPA : Confirmation that XXXX adhered to FCRA and FDCPA guidelines regarding the reporting, transfer, and collection of this debt. 
Additional Information Please be advised that I do not acknowledge the validity of this debt without proper verification. If XXXX is unable to provide sufficient validation, I request that the account be removed from my credit report and that all collection activity cease. 

If this account has been reported incorrectly, I expect that XXXX will rectify this with all credit bureaus and provide confirmation of the correction. 

Thank you for your attention to this matter. I look forward to receiving a response within 30 days. Please send all correspondence to the address above.
Consumer complaint received 2024-11-08
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. (FL)

I have reviewed my credit report and there are hard inquiries on my credit report that do not permissible purpose would like these inquiries removed. 

XXXX. XXXX ( Bank ) XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XXXX  ( Bank ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b