davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (OH)

TRANSUNION AND XXXX HAS FAILED TO REMOVE XXXX XXXX  FROM MY CREDIT REPORT. XXXX HAS INVESTIGATED AND REMOVED THIS ACCOUNT FROM MY CREDIT REPORT DUE TO INACCURACIES AND MY INFORMATION BEING INVOLVED IN A DATA BREACH. TRANSUNION HAS FAILED TO REMOVE XXXX XXXX FROM MY CREDIT REPORT EVEN THOUGH THEY'VE YET TO PROVIDE ME WITH THE DOCUMENTS THAT I REQUESTED TO VERIFY THAT THE ACCOUNT BELONGS TO ME. IVE SENT SEVERAL DISPUTES AND NOTHING HAS BEEN RESOLVED. TRANSUNION AND XXXX HAVE TWO DIFFERENT CREDIT LIMITS AND OPEN DATES FOR GRAIN TECHNOLOGY AMONGST OTHER THINGS. I ALSO DONT RECALL THE ACCOUNT AND THEY HAVE NOT PROVIDED ME WITH ANY INFORMATION VERIFYING THE ACCOUNT IS MINE. I WILL ATTACH DISPUTE LETTERS AND THE DISPUTE RESULTS OF XXXX REMOVING THE XXXX  ACCOUNT. I WILL ALSO ATTACH MY FTC REPORT AS WELL.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KY)

Attempted a transfer from a linked bank account in the amount of {$330.00} on XX/XX/year>. Transfer was declined. 
Chime suspended my account and asked for ID, bank statement and a reason the transfer as declined. 
I have provided them this information multiple times and they still insist I send more documentation that doesn't exist. I just want access to my account and my money.
Consumer complaint received 2024-08-28
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. (GA)

This is a fraudulent account. I have claimed this as fraud. I have sent my FTC report, Drivers License bank statement, FTC Letter. 
I've asked for this account to be blocked experience told me that they would not remove or block it, even though XXXX has no record of this account or balance. 
XXXX said that they were provided with information to validate the account and XXXX said that was a lie.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have mailed countless letters to the addresses depicted on each of the bureaus website to dispute the following recorded inquiries that I DID NOT EVER AUTHORIZE. I asked for documents bearing my signature and application and I began mailing letters directly to the bureaus dating back to XX/XX/2024. I have already tried contacting each individual company who said they do not have my information and I need to contact the bureaus. There was no permissible purpose for the pulling of my report. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
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)

I previously checked my credit report and found many address, and names fraudulent and this is preventing me from my right to obtain good credit This is something that is against the law to obtain credit and I would like you to Please remove these wrong address and names from my credit report. 


XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type - XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (WV)

On XX/XX/XXXX I invested {$5000.00} in a CD with US Bank for 15 months. it matured on XX/XX/XXXX. I contacted the bank ten days before it matured to let them know I wanted to withdraw my money. They sent me a letter with a copy of the check dated XXXX. The amount was {$5200.00}. After a couple of weeks I called to find out where my check was and the agent said I should receive it within 2 to 3 business days. A few more weeks went by and still no check. They put a stop on that check and issued another one on XX/XX/XXXX. I have been calling them at least once a week now and just found out this week that they put a stop on the second check. That last person I talked to said that someone should be getting in touch with me to let me know what is going on. Still have no response. It has now been 60 days since I withdrew the CD.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

Bank account account deleted and frozen. Called Ally Bank and requested why. They said that it was due to a XXXX that I had received being reported as fraudulent by the person who sent it. 

1. I was not aware of the XXXX. 
2. Never have spoken or communicated with the person. 
3. Can not access anything with my banking. 
4. After being explained this I realized I had received a weird voicemail a few days prior and it was what I think may have sent it. Person called themself XXXX  and was talking about having sent a XXXX to a person named XXXX I explained this to the bank and they have done nothing and still are refusing me access to my funds. 

The amount that the bank says the XXXX was for was {$150.00} Attached to this is a screenshot of the voicemail transcribed by my phone. 

Along with a file of the voicemail. 

Additionally the companies doing harm is XXXX and Ally Bank
Consumer complaint received 2024-10-16
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. (PA)

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. Act Name : XXXX XXXX, Act Name : XXXX. Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX , XXXX  XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX, XXXX XXXX15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: DISCOVER BANK (CA)

I was behind 8 payments on my Line of Credit. On XX/XX/XXXX I received letter of full reinstatement payment needed in order to bring my loan back to current status. This was from XXXX XXXX XXXX XXXX which is the company Discover uses for their foreclosures. I inquired about the breakdown of payment which was XXXX. I understood most of the fees on the breakdown but there was one for XXXX that said other net fees. I inquired again about what that meant and they said it was an advance escrow payment made to purchase my flood insurance and XXXX for inspection fee. I already have flood insurance from my primary mortgage so unsure as to why they purchased it. I made the payment based on that and fast forward to the XXXX of XXXX which is when they applied all my payments except the advance escrow payment of XXXX. I do see that escrow account still open and they state I still owe that. I called them multiple times already and got it escalated and today XX/XX/XXXX I received an email from the research department and they gave me their breakdown and state this Our records indicate that your loan had a {$5300.00} mortgage corporate advance, {$76.00} in late fees, a {$20.00} bad check fee, a {$150.00} property inspection fee paid. and 8 months of payments at {$300.00} each all posted on XX/XX/year> totaling {$8000.00}. 
The mortgage corporate advance includes the XXXX but they said it doesnt that all payments have been applied. I inquired again about a breakdown of those advances but have not heard back from them.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

On XX/XX/year> I made my payment of {$400.00} to capital one credit card for my XXXX XXXX XXXX XXXX They had to walk me through setting up my XXXX XXXX  and trust account in order to make the payment. The XXXX XXXX XXXX  for ach payment verified the money in my account and sent the payment to capital one. Then I had to verify my identity yet again AND upon doing so I was informed that my account in XX/XX/year> had been accessed by someone who put a XXXX XXXX account on it in XX/XX/year> I informed Capital one that I was going to be out of the country and that my card account and card needed to be XXXX i also learned that XXXX XXXX people were affected by the data breach they had over XXXX XXXX not by capital one and my payments are being withhold for something I had nothing to do with and I have to worry about retaliation from capital one for reporting this to the consumer protection agency.
Consumer complaint received 2024-10-16
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)

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX  XXXX  Account Number : 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 2024-10-16
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. (GA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soonaspossible.