davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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. (NY)

Debt Validation Letter for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXXAmount of Debt : $ XXXXDate of Debt : XX/XX/XXXX Dear XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number :, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 # ( private case number ) 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.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX XXXX
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB Team, I hope this message finds you well. I am writing to seek your assistance regarding an issue I have encountered with a credit bureau that has refused to update my personal information as per my rights as a consumer. 
I have made several requests to the credit bureau to ensure that only the address listed on my identification is maintained on my credit profile. Despite my repeated attempts, they have not complied with my request. I would like to understand if the law permits them to disregard my rights as a consumer in this matter. 
I believe that consumers have the right to have accurate and updated information on their credit profiles, and I am concerned that my rights are not being upheld. I would appreciate any guidance or support you can provide to help resolve this issue.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since the, beginning of XX/XX/XXXX. I open an account at the branch office in XXXX California come to find out recently I have been according to the Bank of America customer with them says XXXX, but seeing as I had previously closed my account that I had open in XXXX, California it shouldve been a brand new account as of XXXX. I havent had nonstop Im going to issues with somebody either. We riding my payments or taking from the account making purchases withdraws as well as transfers without consent when contacting Bank of America to investigate this information, they do not provide proper details regarding the situation for example, purchases madeby XXXX for items that were not receive but yet do not show up on the account statements as paid for of even reversed. Im under the impression it has been done internally by somebody that works for Bank of America and this issue needs to be thoroughly investigated as I continue to have to report unauthorized charges as well as receive a new card like 6x in one month. 
All the companies are involved in creating this chaos with my identity are XXXX, XXXX Bank of America as well as XXXX some familiar has to do with the stock market put two and two together you guys are investigators. You guys should be able to figure it out I did, but nobody wants to listen to me about it.!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-10-08
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: EQUIFAX, INC. (TN)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-05
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is reporting erroneous information on my account, and it is preventing me from access to any freedom in my life. It is hurting my credit score, and I've written them multiple letters since 2022, to no avail. 
The names and addresses are incorrect and I need them updated. I have mailed them a letter requesting they update it ( please see the attachment for said letter ), to no avail. 

I have also requested that they REMOVE the COLLECTIONS from my account as Experian is in violation of 15 U.S.C. 1681g because they have not verified nor proven any of that they are reporting. Yet, they continue every month to report these harmful errors. The letter I sent to them regarding this matter is also attached.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is suppose to update on the XXXXXXXX XXXX XXXX XXXX says XXXX and still showing XXXX XXXX owed on my report. It is paid off XXXX balance I need this updated as soon as possible.
Consumer complaint received 2024-10-21
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. (WA)

Dear CFPB, My name is XXXX XXXX, and I am writing to formally dispute an account reported on my credit report. The account in question is with XXXX XXXX XXXX, and I am concerned about its legitimacy. Below, I have outlined my dispute : Dispute Statement : I am not aware of this account or if I ever signed up for it. I contacted XXXX XXXX XXXX, but they have not provided me with any evidence confirming whether I personally opened this account. Therefore, I would like to dispute this matter due to the lack of identification verification in the opening of the account. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. Additionally, as mandated by the Truth in Lending Act ( TILA ), creditors are required to verify a consumers identity and obtain consent before opening an account. Due to the absence of such verification, this account does not seem to be attributable to me. 

Action Requested : I am requesting that you : 1. Immediately investigate this matter in compliance with the FCRA.

2. Provide me with all documentation related to the opening of this account, including but not limited to any signed application forms or identification used during the account opening.

3. Correct or remove this account from my credit report if verification can not be confirmed.

I appreciate your attention and look forward to your prompt response. Please let me know if additional information is required for your investigation. As stipulated by federal law, I expect a written response from you within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-10-21
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. (OH)

In a previous CFPB complaint, TransUnion stated on record that a XXXX XXXX XXXX XXXX account was deleted on my credit report. Their response was that they mailed me an updated copy of my credit report. On the report that was sent to me XXXX XXXX was still showing it was updated but not deleted as they reported to CFPB. Transunion continues to say that they have sent a updated report but each report still has XXXX XXXX  reporting on it.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

RE : CLAIM NUMBER XXXX On XX/XX/year> I noticed several unauthorized pending ACH transactions in our business checking account with Truist Bank . There were four ( 4 ) transactions totaling {$150000.00}. I immediately contacted the bank and spoke with XXXX the bank manager. I informed her of the fraudulent transactions. I also followed up sending her an email with a list of the fraudulent transactions. 

To date, the funds have not been credited back to our account. We are a small minority company who needs the funds for our working capital to sustain our business and to pay our employees. 

We have made several telephone requests to Truist asking them to escalate the matter to no avail. 

CFPB 's assistance is urgently needed as we seem to be going up against a brick wall. 

Your prompt attention to this matter is greatly appreciated. 
XXXX XXXX - Treasurer
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX poor customer service and security some it is not their individual fault but no they would not help in any way except to tell me to get information that is not correct. They have all been altered in the last few years. I check them. It goes back to XXXX as previous and no about XXXX after b sister allegedly went into my account to deposit a gift which I said why dont you put it in the atm? XXXX XXXX XXXX. I love my siblings but they are not the same people as they used to be. So went into the bank. Asked which account coming out. Asked to wait. But it goes together all. Spouses family friends credentialed and more. But later found that I had to close the account because they found XXXX open and they were mother only one who had or had access to information. Whole life insurance pending in both legal and given name is not okay. Date of birth to unknown beneficiary but my mother did ask me what day it was deposited in my account. So I kept trying to stop it and couldnt. The bank made me close it because their security as good as it was could not stop this after having this account XXXX years. So what seems back is present. Still affects me. So irs. Id affidavit sent me. I cant even verify my identity with the credit bureau so it is part added so it makes sense. Leave out details and no originals do nothing. Good advice going nowhere. But on credit report trans union did aknoledge id.me XXXX very difficult and will not work with me at all.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I noticed some information on my Equifax account is wrong which includes my birthday and a random address. That false information is ONLY on my Equifax account and no other agency. I contacted them about what I should do to fix it. On XX/XX/XXXX I sent a copy of my social security card, current rental lease, and a picture of my current drivers license. I sent information in because that is what they asked for. To be honest they only required XXXX pieces of information, I voluntarily sent my current lease. I didnt hear anything from them after a few weeks so I called and they claimed that they didnt receive any of my information. So on XX/XX/year> I resent the information but certified this time. After a couple of weeks I receive a letter in the mail from equifax but they were asking for the exact same information I sent twice. So to me it seems like equifax is playing games. This is my last solution before I hire a lawyer. The equifax representative explained to me that they get information about people from so many different companies, so she wasnt able to tell me who reported that information. I stated that it doesnt makes sense to change my personal information when all the other documents they see shows my correct birthday and so does my drivers license. There was also some random address on my account. In the same place where you can see everywhere you have lived before, I saw XXXX address I didnt recognize. Mind you, this is all personal information. The representative explains to me that the address is somehow connected to the wrong birthday on my account. I said, so you actually can tell me where the info came from. I said I have never lived at XXXX XXXX XXXX in XXXX Texas, and that is not my birthday so there for its not me. I said, to change my BIRTHDAY on my credit file would literally mean that XXXX a whole different person. How is it even possible to change that information. It shouldnt even be possible, we only get XXXX birth day. 
XXXX upset that it even takes all of this. 
It seemed like an easy fix to me but I guess I have to complain and then go to court just to fix my personal information. 
Because Equifax has claimed they havent received my documents, that can only conclude the address they gave me was incorrect and now some random person literally has my social, lease, and drivers license. With that ALONE, we have a problem. 
The Letter Equifax sent was type on XX/XX/year>. It just arrived in my mail today which is XX/XX/year>. 
I Sent the certified mail on XX/XX/year>. 
That tells me that they DID receive my personal documents. 
How many more times are they going to ask for the same documents?? Instead of just adhere to my request.
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (NC)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-10-06
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. (TX)

MESSAGE TO XXXX : Subject : Dispute of Incorrect Hard Inquiry from XXXX ( XX/XX/XXXX ) I am disputing the hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was prequalified for a card, and XXXX disclosed that applying would be a soft pull, not a hard pull. Disclosed that applying will " NOT AFFECT CREDIT SCORE ''. My application was denied, so this inquiry is incorrect. Please remove it from my report ; or I'll have to submit complaint to CFPB and FTC for false inquiries. 

Thank you.
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.