davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my credit reports with Transunion, XXXX, and XXXX after being a victim of identity theft and found erroneous and inaccurate information on my credit report. The FEDERAL Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld. There are multiple names listed on XXXX and an inaccurate spelling listed on the Transunion credit report. There should only be one spelling of my name, XXXX XXXX, all other spellings are inaccurate and must be deleted. There should only be XXXX address on my credit report, which is XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; all other addresses are erroneous and must be deleted There should not be any employers listed on my credit reports all employers must be deleted. There is an account listed on Transunion, XXXX, and XXXX report as XXXX  XXXX, acct. # XXXX, the date of last activity is not the same on each report, Transunion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, these are inaccuracies and must be deleted immediately. There is an account listed on Transunion, XXXX, and XXXX as XXXX XXXX XXXX # XXXX, the date of last activity is different on each report, Transunion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, these are erroneous and must be deleted immediately. There is an Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX that appears on Transunion that I did not authorize. There is an Inquiry from XXXX XXXX XXXXXX/XX/XXXX that appears on XXXX and Transunion that I did not authorize. There was no permissible purpose and these inquiries must be deleted immediately.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX and Experian are STILL reporting inaccurate information in this accounts : XXXX ACCOUNT # XXXX XX/XX/XXXX - XXXX DAYS LATE XXXX XXXX DAYS LATE XXXX XXXX DAYS LATE XXXX  ACCOUNT # XXXX XXXX XXXX DAYS LATE XXXX XXXX  DAYS LATE PLEASE FIND ATTACHED XXXX REPORT WITH PAYMENTS POSTED ON TIME PAY ON TIME ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( ACCOUNT XXXX ) PAY ON TIME ON XX/XX/XXXX, XX/XX/XXXX ( ACCOUNT XXXX )
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One Shopping ( XXXX ) is an online shopping portal that provides cash back on other merchants you purchase through the link they provided. 

I transferred 3 phone lines to XXXX XXXX XXXX wireless on XX/XX/XXXX, with activated Capital One Shopping browser extension that says " {$450.00} cash back for each new line ''. 

However, I never get any pending reward. I then contacted Capital One Shopping at XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XXXX but never got a reply. 

However, if I use any other email address, they would give me a reply says " please use the email associated with your account ''. But when I send with the email associated with my account, I still never hear back from them. 

They refused to provide any other customer service methods such as phone number, online chat or mail, and also refused to go into my account if I email with another personal email-address. They refused to change the email address on my account, other than delete the account and creating a new one, which stated in the website. 

All I am looking for is a way to get support, but I never hear back.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK (TX)

Identity theft 15 USC1681b- Conditions for furnishing and using consumer reports for employment purposes With no permissible purpose. Meaning they didnt get my written consent to furnish anything on my account. I didnt give written instruction. 

Without permissible purpose = identity theft
Consumer complaint received 2024-10-03
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)

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, has violated my rights. 

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 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear CFPB, I'm writing out of desperation. 

I'm a XXXX XXXX  XXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird thaXXXX XXXX XXXX XXXXXXXX didn't notify immediately but instead waited XXXX so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being homeless. I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and homeless. 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX XXXXXXXX accountable. 

XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Predatory Billing Practices of SPS Select Portfolio Servicing , Inc . This mortgage company, I believe, is illegally charging fees for monthly mortgage payments to be made both over the phone and online on their site. In addition, they do not accept electronic transfer payments through XXXX 's Bill-Payer system.

My previous loan company XXXX XXXX XXXX never charged fees for their online service, by phone fee was nominal. SPS charges {$10.00} online from the XXXX XXXX ( there is a XXXX day grace period ) {$15.00} after & phone. 

The loan is FHA and according to research I've done, the illegality is collecting fees for a specific payment method where the mortgage agreement stipulates that charging a fee based on payment type is not allowed they are in violation of their own agreement since they've bought this loan from XXXX XXXX. 

It is noteworthy that, circa XXXX, XXXX, XXXX & XXXX XXXX have all in the past got in trouble for these practices. I was with XXXX who sold to XXXX who became XXXX XXXX who now sold to Select Portfolio Servicing , Inc. Shady goings on if you ask me! 

If there was no fee to use online with XXXX and XXXX XXXX, then SPS should have followed suit. 

The resolution I am looking for : eliminate all fees for making payments or force SPS 's hand to set up with XXXX and every other bank out there as a participating vendor for electronic drafts on the Bill-Payer system. People have the right to handle their own money and pay their bills as they see fit and as they are able to NOT when the SPSs of the world dictate. Yes by all means, please allow me to pay you to pay you ... Ridiculous!!!
Consumer complaint received 2024-10-02
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-03
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/year> : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-02
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (IL)

Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXX of 2020, I had reached out to XXXX XXXX  in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These two auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive one charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.
Consumer complaint received 2024-10-04
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute of Unauthorized Inquiries Dear TransUnion, I am writing to formally dispute unauthorized inquiries on my credit report. After reviewing my report, I found the following inquiries that I did not authorize : Unauthorized Inquiries : XXXX XXXX Bank  ) Date : XX/XX/XXXX XXXX ( Bank  ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

15 U.S. Code 1681c-2 : A consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft within 4 business days of receipt.

15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) : The inquiries are in violation of not reporting 100 % accurately.

Fair Credit Reporting Act : The inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 ( a ) : I have the right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish accounts without my written instructions.

I am requesting the original copy of the agreements and terms and conditions related to these inquiries. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. 

Please delete these inquiries unless you wish to be held accountable for {$1000.00} per inquiry. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
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. (VA)

I have a issue that I have accounts reporting in accurate information and I requested to receive the same Documents used to verify how this information was verified because its inaccurate or I will like it deleted, This issue has caused big problems in my life and lost of jobs and my next option if I cant get resolved is legal action I need same verification that is used to verify accounts sent to me as well because information is inaccurate I will be uploading Documentation
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently reviewed a copy of all My credit reports and noticed that I had a fraudulent account on them. Please remove this XXXX account from My credit reports. I've been doing My due diligence on being a worthy person to obtain good credit and this is hurting my ability to do so. 
Thank You Kindly.
Consumer complaint received 2024-10-03
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. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went to a car dealership and applied for a car they said that they were only going to submit my information to XXXX XXXX but they actually submitted my information to 10 different companies without my knownledge or consent. I have listed the following companies, XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 TransUnion XXXX XXXX
Consumer complaint received 2024-10-03
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. (NC)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.