davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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)

Consumer name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of birth : XX/XX/XXXX. Contains of complaint : This CFPB has been filed to request pursuant to FCRA section 605B ( 15 U.S.B. Section 1681c-2 ) that you, the TransUnion credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Buisness days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of hard inquires at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires 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, or hard inquirys 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 inquirys are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint XXXX XXXX XXXX XXXX XXXX XXXX as Proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, or hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX, XXXX, I discovered that Bank of America lists me as the owner of Auto Loan # XXXX, taken out in XXXX of XXXX. I do not have an auto loan with BOA. In fact, I have not had an auto loan since XXXX ( and that was with XXXX ). I filed a dispute with BOA in XX/XX/XXXX ( Case # XXXX ). Since that time, I have provided BOA with all of the documentation they have requested. After 4 months of being stonewalled ( at one point, I spent 3 hours on the phone with BOA and was transferred to 7 different people -- none of whom could help me ), I requested that BOA provide me with a copy of an original loan agreement with my signature on it. I was told on 2 occasions, " we can not provide you with that document at this time. '' After reviewing all of my documentation, on XX/XX/XXXX, BOA reported to XXXX  that my fraud claim had been denied, and that the auto loan should remain on my credit report. I received a letter from BOA, dated XX/XX/XXXX, that " based on the documentation received, we have denied your claim. As a result, our reporting of the loan to the credit bureaus is accurate. ( The interesting thing is that, although I never receive payment statements for this loan, and have never made a payment on this loan to BOA, the loan is being paid on time each month. ) I recently received a letter from BOA about the status of my claim, addressed to " XXXX XXXX XXXX AKA XXXX XXXX. '' On several occasions when talking with BOA representatives, I have been referred to as " Mr . XXXX. '' I have provided BOA with documentation that I am not now, nor have I ever been known as " XXXX XXXX, '' and that I do not now, nor have I ever, lived in CT. After 4 months of investigations, BOA has asked me to " be patient. We need more time to investigate your fraud claim. '' In the meantime, I have been denied credit because of this {$13000.00} loan on my credit reports. It seems to me that the solution is quite simple : if, as BOA reported to XXXX, I did sign for this auto loan, there must be paperwork with my signature on it. If BOA is unwilling or unable to provide me with that documentation, then how can they claim that the loan belongs on MY credit report? ( Also, over the past 3 years or so, BOA has made 18 requests for my XXXX  credit history -- I have never done business with BOA prior to XX/XX/XXXX. Based on my fraud claim with XXXX, all of those BOA requests have been deleted from my credit history. ) Since XX/XX/XXXX, I have been communicating with BOA Fraud Quality AVP XXXX XXXX -- who has been less than helpful, and less than forthcoming with any of the information I have asked BOA to provide to me.
Consumer complaint received 2019-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (IL)

XXXX  SUBMITTED A TRANSACTION OF {$XXXX} TO XXXX THROUGH XXXX, XXXX A RECEIPT WAS TENDERED FOR THE TRANSACTION. ( see exh 1 ) SUBSEQUENTLY, XXXX RECEIVED AN EMAIL INDICATING THAT THE MONIES WERE RECEIVED INDICATING THAT THE AMOUNT WOULD BE POSTED WITHIN 1-2 BUSINESS DAYS. ( see exh 2 ) AFTER WAITING TO HEAR FROM XXXX  OF ITS RECEIPT OF MONIES, XXXX RECEIVED NOTIFICATION FROM XXXX, XXXX THAT THE MONIES WERE BEING HELD DUE TO AN OUTSTANDING DEBT OBLIGATION FROM AN ASSOCIATED ACCOUNT. ( exh 3 ) XXXX  INFORMED XXXX, XXXX THAT THEY DID NOT HAVE AN OUTSTANDING BLANCE DUE ON ANY ACCOUNT, NOR IS IT ASSOCIATED OR JOINTLY CONNECTED TO ANY OTHER CORPORATION THAT USES XXXX XXXX. ( see exh 4 ) AFTER RECEIVING THEIR REQUESTED DOCUMENTATION, XXXX  FALSELY DETERMINED THAT THE AMOUNT OF {$400.00} WAS INDEED OWED BY XXXX VIA THEIR EMAIL COMMUNICATION. ( see exh 5 )
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CO)

This is following up on my previous claim which was closed. I now have proof that my ex husband has tried to remove me via an assumption ( per Navy Federal this is the only way to remove me ) and they WILL NOT LET HIM do this! 

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a Navy Federal representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted Navy Federal and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

payment never late fix it or remove it FCRA law : XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX request Next will file FTC if not corrected
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (IN)

Check number XXXX was stolen from my mailbox from an unidentified person and subsequently cashed at an undisclosed XXXX on XX/XX/2021. I became aware of this on XX/XX/2021 and reported the fraud to my bank on XX/XX/2021. My bank investigated the fraud and returned my money an issue to stop payment on the fraudulent check. XXXX then sent my information to TRS services to collect a debt of {$470.00}. I contacted the debt collector to inquire about the voicemail left and was told I needed to file a fraudulent complaintWith documents from the bank in order to have this removed from collections.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed from my credit report.
Consumer complaint received 2021-02-22
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. (MD)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2024-09-09
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 : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRASUNION Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. TransUnion reports the account as derogatory, while XXXX shows it as paid. Additionally, the reasons for closure vary, with TransUnion reporting it as canceled by the credit grantor and XXXX indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing.

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I received an email from Capital One XXXX  at XXXX stating that my account had been terminated and provided with no other specific reasons for my account being terminated. I am unable to access my account and currently have over {$2000.00} in rewards owed to me that can be used and redeemed for gift cards as well as rewards that have been successfully processed by Capital One XXXX  ( I have all of the emails and screenshots related to this ). 

I send several emails to XXXX and have not received any response and there is no other way ( phone number, etc. ) to contact the company.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed from my credit report.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (VA)

I am enrolled in autopay for my Barclaycard US credit card. However, Barclay has consistently debited funds from my XXXX XXXX XXXX checking account in excess of what is due. On XX/XX/2021, Barclaycard debited {$5100.00} from my checking account to cover an account balance of {$570.00}. After the transaction posted, my credit card had a balance ( credit owing to me ) of {$4500.00}. 
In the past, Barclay offered me 12 months deferred interest on a computer transaction, but automatically debited the full amount of the purchase in the first month.

I have repeatedly called Barclay about errors in the payments they are automatically withdrawing from my checking account, but nothing has been done to fix this problem. 
To fix this latest incident of overpayment XXXX {$5100.00} ) Barclay offered to send me a check, which could arrive between 10 and 15 days ( case ID XXXX ). However, their offer does not account for financial damages I will suffer for having insufficient funds available to cover other credit card payments and to meet minimum checking account balance requirements that are immediately due. 
The only solution available to me is to incur personal debt to cover Barclaycard 's mistake.
Consumer complaint received 2024-09-06
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. (NJ)

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 XXXX 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 XXXX 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 2024-09-06
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)

I am a XXXX XXXX XXXX XXXX, and the transactions listed were not conducted by me. The fraudulent activities include accounts with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I did not authorize or initiate any of these transactions, and I have taken steps to report the identity theft to the relevant authorities. Please investigate and take the necessary actions to resolve these unauthorized activities.
Consumer complaint received 2024-09-06
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. (MI)

In accordance with the Fair Creait Reporting act. The List or accounts below nas violatea my rederally protectea consumer rignis to privacy and confidentiality under 15 USC 1681. Account name : 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
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. (MO)

My account with those creditors 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 those account 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
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC (CA)

I opened the account and was able to trade, then it just stopped trading. I have ask to close account but can't. I keep being asked to verify the account and I have dome what they ask but still can't trade. Account shows that it is verified but still can do anything. Would like to close the account if it can't be fixed.
Consumer complaint received 2024-09-06
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2024-08-30
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. (FL)

TransUnion sent me an updated credit report with the disputed inquiries still on it. I called Trans union on XX/XX/year> to inquire on how and what steps was taken to verify that the inquires were initiated by me. The representative advised me that the dispute was not done even though they received my CFPB complaint XXXX. I am requesting that the inquiries be removed immediately as this is now my third time requesting to have them reviewed and removed. Please assist me with this matter as I have not been successful with getting the proper information on the validity of the inquiries. 

I also have a FTC report number XXXX