davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I took out a installment loan with Ace cash express XXXX and I was making the monthly payments. I had on XXXX occasion called and spoke with the agent letting them know that I had to wait till my next pay date to pay my loan. The agent said that it was fine. My pay day was a week from when the payment was due. I then called to check and see the amount that was due when I came in that day. When I spoke to a lady on the phone she said that I was too late to pay a payment and that I had to pay the full amount. I told her that I did not have the full amount of the loan at that time. She told me that Either I have it all or go into default. which would entail being called and bugged at all times of day and night. Ace started calling me about XXXX times a day and sending me false emails that said that I owed about {$500.00} more than I the actually owed. I also had problems at work because they would call me multiple times at my work which untimely led to discipline at work, and finished with me being let go from that job.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-09-03
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-03
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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX - BALANCE {$540.00} XXXX XXXX  # XXXX - BALANCE {$420.00} XXXX XXXX # XXXX - BALANCE {$310.00} Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XXXX, i sent all XXXX CRA 's ( transunion, XXXX, and experian ) a dispute letter concerning the reporting of inaccurate reporting on my credit report that never gotten deleted, as well as inaccurate personal information, and unverified inquires that are in violation of 15 usc 1681b. this is causing me harm and denials from buying a home with my credit and missing time from work from stressing.i request that the inaccurate information be deleted from my credit report
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

I had a checking account that was set up to auto pay a mortgage I was on with my ex-wife. We divorced and she was deeded the home. At that time ( XX/XX/2015 ), I canceled the auto-draft and my ex-wife opened a new account and set up the mortgage payment from that account. They continued to pull from my account so I closed the account and opened a new one. I noticed the payment was still coming out last month and after further research discovered it has been coming out for 1 year for a total of {$4900.00}. They have continued to pull the payment from my ex-wife 's account as well for a double loan payment monthly. All of these accounts are with Wells Fargo including the mortgage. I have spent countless hours on the phone only to be told today that they are unable to help me in any way. I never signed an authorization to have the payment pulled and even opened a new account to ensure the payment would not continue to come out of my account. The only way they would have been able to pull the money ( since my name is still on the mortgage ) is by right to offset, however the mortgage has never been past due to warrant the debiting of my account. They are saying there is nothing they can do and I will lose the {$4900.00}.
Consumer complaint received 2024-09-03
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. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-03
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C. (NY)

Certainly, I got a letter from Solmon and Solmon Pc Debt agency that I owed {$6200.00} to XXXX BANK, I have never heard that name. Letter mentioned that I have XXXX but I have never applied XXXX or had it.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-03
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)

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have been trying to resolve a credit card dispute with USAA since XXXX XXXX. The original dispute was XXXX {$100.00} transactions, now it is XXXX -- USAA has duplicated a disputed transaction! I originally filed a fraud complaint, but was told by USAA they should have been handled as disputes. Since then, these actions have been bounced back and forth between internal departments, and credits made and then reversed leaving me with an additional disputed {$100.00} along with the accumulated cash advance finance charges of {$3.00} as of this writing, totaling {$300.00} as of XXXX XXXX XXXX.
Consumer complaint received 2024-09-03
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 a vXXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX Opened XXXX BALANCE {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$0.00} XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$390.00} XXXX XXXXXXXX XXXX XXXX Reported XXXX BALANCE {$590.00} XXXX XXXX XXXXXXXX XXXX XXXX BALANCE {$7200.00} XXXX XXXX XXXXXXXX $ XXXX Opened XX/XX/XXXX XXXX XXXX # XXXX $ XXXX Date Opened XX/XX/XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX BALANCE {$440.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX BALANCE {$450.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX {$4200.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2024-09-03
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. (MD)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Unauthorized inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants is contacting me about a debt that I do not owe from XXXX in the amt of approximately {$640.00}. I moved from XXXX apt XXXX residence to another in XXXX. My current complex does not use XXXX for service. I returned all of the equipment and gave XXXX my new address to send me a final bill. As of today, XXXX as not sent me a final bill and Diversified Consultants is contacting me regarding this matter. The wo n't listen to what I am saying.
Consumer complaint received 2024-09-03
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. (MD)

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.

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 XXXX 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 2016-07-22
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

30 days past.response not received. 
Please removed hard inquires my credit file. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, GA, XXXX
Consumer complaint received 2024-09-03
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)

On XX/XX/year>, I spoke to a representative of XXXXXXXX XXXX XXXXXXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account is still being reported from the original creditor creating a duplicate entry/account. It has been over XXXX  days and I have not recieved and sort of credit validation documents. This account is unverifiable and is reporting inaccurately on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : XXXX XXXX XXXX Acct # XXXX Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-22
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. (PA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of : XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX  opened on XX/XX/XXXX, and XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-03
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. (MA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2016-04-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (MO)

I attempted to purchase XXXX {$85.00} XXXX gift cards with my credit card via Paypal 's website. For unexplained reasons, I was only able to purchase XXXX of these as intended. For the last XXXX, PayPal only gave me the option to purchase with PayPal Credit. I reluctantly did so. No disclosures were made to me as to the details of the transaction with them to the best of my knowledge, but I was generally aware that they offered 6 months interest free on the purchase. 

I monitored my account on at least a monthly basis, as I wanted to make sure and avoid the interest. Each " e-statement '' I was e-mailed indicated a balance of {$170.00} and a minimum payment of {$0.00}. I was waiting for a statement that indicated a payment due so that I could pay in full and avoid interest. However, the first statement I received that showed a payment due was this month, and {$18.00} was already added to my balance. I had no warning that this interest would be added, and had never received any statement that seems to have indicated that the deferred interest would be charged until it already had been. I called Paypal and spoke to both a representative and a supervisor- the latter after approximately 20 minutes on hold- both of whom claimed they were not allowed to waive this interest, even if I paid in full today. 

I inquired as to the reason I was forced to use PayPal credit for my purchase instead of my credit card. The supervisor told me that sometimes there are purchase limitations for credit card purchases based on account history, but he said that my credit line had been open for some time and always in good standing, and that he ca n't understand why I would have been limited in this way. 

I believe that it was abusive to force me to use PayPal Credit ( apparently without justification under the company 's own policies ), and that it was deceptive to charge me more than 10 % of the balance without any warning, while leading me to believe that no payment was yet due.
Consumer complaint received 2024-09-03
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Data Breach and Violation of Rights Under 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to formally notify you of a recent data breach that has compromised my personal information. Specifically, my name and other sensitive data were included in this breach, which I believe to be a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

According to 15 U.S.C. 1681, I am entitled to the protection and privacy of my credit information. The unauthorized exposure of my personal information due to this breach has caused significant concern and distress, as it puts me at risk for identity theft and other fraudulent activities.

I respectfully request that the CFPB investigate this matter thoroughly. I would like to understand what measures are being taken to rectify this situation and to prevent similar breaches from occurring in the future.

Please advise me on the steps I should take to safeguard my credit and personal information moving forward. I would also appreciate any guidance on how to pursue further action against the responsible parties for this breach.

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

Sincerely, XXXX XXXX XXXX