davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Very difficult and disappointing to work with CapitalOne. Card has always restrictions and they want me to submit the same docs. I would love to use this card for my everyday purchases but can't. How many times do I need to submit new documents? It's just terrible customer service especially last time calling them.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (NC)

This is my fourth 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 XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX AV XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-08-14
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Creditor reports account was charged off but never sent a 1099-C cancellation of debt form. This account is inaccurate and needs to be removed.

I do not recognize how this account is reporting on my credit report. I don't the account number, I don't recognize the account status and I don't recognize the account high balance nor do i recognize the late payments associated with it everything reported does not meet the FCRA.
Consumer complaint received 2024-08-15
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)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 60 days to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports XXXX _____________________________________________________________________
Consumer complaint received 2024-08-14
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. (CA)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692e- False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

3.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Dear sir, I need to inquire the transaction made on XX/XX/year>, adjustment/correction of posted item, which I can not understand what it is. Your company has charged {$2.00} for this transaction which I do not recognize at all. I request the explanation. Since I hate the calls from any numbers, I prefer you will answer by secure message system inside of your online portal. On the same date, I have received calls from possible calls from your executive office of Bank of America twice. Somebody unknown who claimed he was an executive escalation employee of Bank of America called me. Since I do not know what he meant the escalation and I repeatedly reported that I do not like call since sometimes we receive the scam, phishing, and suspicious calls who claim themselves bankers or polices, as the XXXX XXXX in XXXX XXXX XXXX, XXXX, I do not believe them. He told in these calls his number was XXXX ( ext. XXXX ). Maybe, he wanted to try to explain this unknown transaction of {$2.00} by phone. As warning from XXXX XXXX indicates, we, XXXX, become cautious for all financial transactions, except those who work in financial area. Anyway, please explain what this is adjustment/correction of posted item. If your company insists that I have asked some adjustment and correction, please let me know, since I do not know it at all. If there is no movement like that in my accounts, please refund {$2.00}. 
Since I do not like the phone calls, with strong suspicion and concern, that I might have the difficulty of communication and understanding as the person speaks XXXX as a second language, I do not want to have the financial explanation on phone. Also, I can not find out the alternative ways other than phone calls, I just report and mail it to your headquarters. 
Sincerely,
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year> I made an online request regarding a personal from XXXX XXXX for {$10000.00}. There was not supposed to be a a hard pull inquiry on my credit report unless I accepted the terms and conditions of the pre-approval, yet they did a hard pull instead of soft pull which would affect my credit report negatively. I did not authorize a hard pull inquiry and their email also stated that " checking for loan offer did not affect my credit score. See copy of email below. 

XXXX logo XX/XX/year> Dear XXXX XXXX : Many online loan sites send us loan offer requests from consumers. One of these sites passed us your request from your search on XX/XX/year>. Important : Checking for loan offers did not affect your credit score.

We understand how important it may be to get the funds you are looking for. At this time, however, we are unable to provide an offer to you. Below are the specific reason ( s ) we are unable to provide you an offer : Insufficient recent bank/national revolving info.

Number of revolving accounts Payment on accounts
Consumer complaint received 2024-08-14
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)

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX XXXX Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by XXXX XXXX on my credit files with XXXX and TransUnion. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : XXXX XXXX  XXXX Mortgage Credit Reporting Agencies Affected : TransUnion XXXX XXXX Inaccuracies and Issues : Inconsistent Date Opened : TransUnion XXXX Reports XX/XX/XXXX XXXX : Reports XX/XX/XXXX Erroneous Account Status : TransUnion Status : Late 120 Days Experian Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1681c ] : Imposes rules on reporting obsolete information and mandates that all information be complete and accurate.

FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within 30 days.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accuracy and integrity of the information supplied to credit reporting agencies.
Consumer complaint received 2024-08-14
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. (SC)

I disputed with this company 3 times in the past, on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Every attempt to fix this situation has gone undone. This company keeps sending back results stating " verified '' yet its still inaacuries that appear month after month after month. This company is in violation of 15 USC 1681i ( 5 ) ( A ). I asked that this company remove the following accounts from my file immediately. See attached Evidence
Consumer complaint received 2024-08-15
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. (NC)

I'm reaching out with serious concerns about issues I've been experiencing with the credit bureau. I've identified false account listings, inaccurate credit reports, inconsistent billing, and even accounts that don't belong to me. These problems are compromising my financial security, and I need assistance in resolving them.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was XXXX in XXXX XXXX and my phone was stolen from my hand. The next day i woke up to my email noting that i was subject to fraud. The person who XXXX me somehow reset my XXXX and got into my XXXX XXXX on my phone and liquidated my bank of America account. I have provided policy reports, signed Afadavits and screenshots of my email to Bank of America and they keep denying my claim. They are stealing my money even thought it's clearly fraud and have all the evidence to back it up.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have identified several discrepancies that I need addressed promptly. 

I have fully satisfied the debt associated with the XXXX XXXX  account. Despite this, the account continues to appear as a negative item on my credit report. The status should reflect " Paid in Full '' or " Closed '' with a XXXX balance. I have already had this corrected with XXXX, but the updates are not reflected on my reports with TransUnion and XXXX. 

XXXX XXXX XXXX XXXX account was charged off and sent to a third-party collection agency without my consent. This action contravenes the Fair Credit Reporting Act ( FCRA ) as I was not notified of the charge-off, nor was I provided with a valid opportunity to dispute or address the charge-off before it was reported. Although this account has been updated with XXXX, it remains incorrectly reported on TransUnion and XXXX.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WI)

Should be another way for government to credit scores and report due these on going problems credit reporting service I've tried to fix my credit report for the past year. inquiries on my account XXXX and XXXX times from the same company it to High information is not correct stuff should fell off.. I hired credit reporting attorney to resolve the situation and nothing has happened. No change no Increased on my credit report continue reading denied hi inquiry it's not fair. Wonder is the government has something to do with this because my credit report has not changed has not went over XXXX mark with paid off accounts c omplanyies bein aloud to file incorrectly with XXXX months l have has been accounts paid off in Full and accounts supposed to be removed, but still be remained
Consumer complaint received 2024-08-14
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)

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX XXXX Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by XXXX XXXX on my credit files with XXXX and TransUnion. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : XXXX  XXXX XXXX XXXX  Credit Reporting Agencies Affected : TransUnion , XXXX Inaccuracies and Issues : Inconsistent Date Opened : TransUnion : Reports XX/XX/XXXX XXXX : Reports XX/XX/XXXX Erroneous Account Status : TransUnion Status : Late 120 Days XXXX  Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1681c ] : Imposes rules on reporting obsolete information and mandates that all information be complete and accurate. 
FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within 30 days.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accuracy and integrity of the information supplied to credit reporting agencies.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Neon Newco Corporation (FL)

I went to a truck stop and bought a netspend prepaid card and added {$80.00} dollars I then tried to activate the card and was told by netspend that my account was flagged for fraud! I asked them to explain what fraud happened but they refused to explain! And they closed my account and now they are refusing access to my money!
Consumer complaint received 2024-08-14
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. (HI)

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 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 2024-08-14
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)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any trans

action ( s ) that I have made. It is the result of Identity Theft. I sent letter months ago & nothing happen.
They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attached as well ; they are in major violation.