davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have filed multiple disputes with TransUnion concerning fraudulent information that continues to be inaccurately reported on my credit file. While I acknowledge that TransUnion has taken steps to delete some of the disputed items, it is disheartening and unjust that not all erroneous entries have been addressed. 

The delays and lack of transparency in the handling of my disputes have further exacerbated my XXXX  I have repeatedly requested verification that my disputes are being handled by qualified personnel and have asked for documentation, including : The name of the original creditor for each disputed account. 

The address and phone number of the original creditor for each disputed account. 

The name of the TransUnion representative who verified the dispute with the original creditor. 

The specific documentation used to verify the dispute with the original creditor. 

To date, TransUnion has failed to provide me with any original documentation, such as a consumer contract with my signature, as required under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, TransUnion has not provided the method of verification within the mandated timeframe.

Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to promptly delete all information that can not be verified. It is evident that TransUnions handling of my disputes has not met these legal requirements, which may result in civil liability under Sections 616 and 617 of the FCRA.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-28
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)

I'm contacting you regarding the fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or permission, causing considerable XXXX. As a victim of identity theft, I've taken immediate steps to report this incident. This situation requires urgent attention due to its severe impact on my financial status and personal standing. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I stand ready to provide any necessary evidence and, if needed, initiate legal proceedings to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Consumer complaint received 2024-07-19
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. (OH)

I need help with being identified as a XXXX XXXX Victim. I have provided the documentation to substantiate my identity and the items that are the result of that XXXX  : I have provided As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) https : //www.consumerfinance.gov/
Consumer complaint received 2019-07-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W.J. BRADLEY MORTGAGE CAPITAL (CA)

I filed a complaint in XXXX of this year the complaint number is XXXX. As you can see by the record from the CFPB XXXX XXXX dis not respond to them and has never responded to our request to validate the debt. However my wife just saw that they are now reporting negative information regarding her account. I have been a licensed loan originator my XXXX number XXXX i spent 8 hours a year and countless hours during the year to stat compliant with XXXX XXXX RESPA AND FAIR LENDING requirements and i know that they can not, not respond to us and t think they could ignore the formal request from the CFPB is beyond belief. I Am seeking the CFPBs assistance to both correct the negative information and to enforce fair lending rules and regulations.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

On XX/XX/XXXX, a third party was able to access my device and make unauthorized transactions to transfer money to themselves. Although I responded to this transaction swiftly and opened up a dispute the same day, the company claimed they offered no protection against this kind of transaction. On XX/XX/XXXX. after 7 days of investigation, they ultimately decided to offer no assistance in helping me recoup my losses.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MA)

Hello My name is XXXX I am filing a complaint against CASHAPP on XX/XX/XXXX I sent {$270.00} dollars from my cash app account to my other cash app account that I no longer have access to by mistake i try to cancel the transaction but was unable to. I immediately contacted cash app support and they said they would try and let me gain access to my account I answered All questions and they can clearly see it is my name on both accounts and they denied me access to my own funds I have tried this over 20 times with o help at all I even went to find my debit card number which was an hour drive away to a bank I no longer have and entered it in the cashapp log in and they denied me access once again I need to get my money back because I work hard to earn my money it is not free or given to me I jave all conversations by email and dates I have contacted them which is on a weekly basis and two or three times a week since XX/XX/XXXX This is unacceptable and deceptive of the company that states they can help especially being able to verify all my information address and everything with my current account, as if they are going to steal my money because what will it do just sit there in an account that is not being used
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX  XXXX BANK. XXXX was never late! I have had exceptional payment history with XXXX  XXXX XXXX XXXX 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 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 months that are reported late 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. 


XXXX XXXX XXXX  XXXX 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 2024-06-28
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. ()

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

On XX/XX/2022 XXXX charged my CashApp card for a cancelled subscription. I contacted skillssuccess immediately and was advised I would not be receiving a refund even though Ive never used their services or intend to use there services. I advised I would dispute with my bank. I then filled out the dispute with CashApp on the information that I was charged after a subscription was cancelled. CashApp then responded by stating the the transaction followed protocol and they were denying my dispute. Based on their response, I feel that CashApp has violated the law by denying my dispute. I have reached back out to CashApp to advise them I have filed a complaint with CFPB.
Consumer complaint received 2022-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

On XXXX, XX/XX/2022 I discover that I could not access funds in my CASHAPP in them amount of {$2100.00}. I initially reached out to CASHAPP vis the app and it stated someone would contact me. After no one contaced me within XXXX hours I called customer service. I was informed that a XXXX was placed on either me XXXX XXXX or my company Beginning Futures. The XXXX could not give me any other information, he stated a the CIVIL RESPONSE department had sent me an email in reference to the matter. I informed him that I had not received the email, he stated he would contact the CIVIL RESPONSE team to resend the email. Once I received the email on Fri, XX/XX/XXXXXXXX XXXX XXXX I attemped to contact the complany isted on the email. none of the identifing information was correct for the company both the office and cell provided an error message when calling. I responded immediately back to CASHAPP, receiving another message at XXXXXXXX XXXX saying that the case had been closed due to no response from me. This communication is an error, I did respond as soon as I was made aware of the issues with CASHAPP. CASHAPP has failed to provide a copy of a lien as well as any identifing informaion related to a lien. I would like my funds to be released back to me from CASHAPP, in addition CASHAPP should consider using the APP as a source of communication vs emails, this process was not reliable.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (SC)

Hello! 

I am writing today because my account should reflect on time and in good standing of payments since XX/XX/2020. All of my student loan accounts should reflect in good standing since XX/XX/2020, there should be 3 consecutive years of the account being in good standing and not delinquent or negative.
Consumer complaint received 2024-08-04
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I recently checked my credit report through XXXX. I noticed a collection for XXXX XXXX XXXX XXXX  on my Transunion credit report. The debt is with XXXX XXXX XXXX.Which this same company goes by XXXX XXXX XXXX XXXX.I do not owe XXXX XXXX XXXX. I have contacted CFPB a number of times. Regarding inaccurate information being reported to all 3 Credit Bureaus. Transunion, XXXX, XXXX. I have disputed this with XXXX XXXX XXXX XXXX. Which the same company as XXXX XXXX XXXX. This was deleted from my credit report on XX/XX/2017. The CFPB is supposed to protect me the consumer. When receiving a complaint from a consumer. The furnisher has to show verification and validation. To back up an accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate. In any dispute, the furnisher of the information can either verify the accuracy of what they have reported or correct the inaccuracy should they agree that it is currently inaccurate. I am requesting that this negative collection be removed from my Transunion Credit report. As it is inaccurate, and prohibiting me from acquiring promotions at my place of employment. As well as receiving adequate housing due to this collection reporting on my credit report.
Consumer complaint received 2024-06-28
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)

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 Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX Avant : # XXXX, XXXX Acct # XXXX XXXX XXXX Acct # 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 ) ( XXXX ) 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. 
I will continue to submit complaints until this matter is resolved, XXXX and XXXX has already removed these items cause they do not belong to me.
Consumer complaint received 2024-06-28
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)

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion the 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 a personal credit card account opened at These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/year> under the account number XXXX, an auto loan account opened at XXXX XXXX on XXXX XXXX under account number XXXX, and a personal credit card opened at XXXX XXXX  on XX/XX/year> under account number XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant XXXX XXXX. TransUnion Consumer Solutions is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 2024-06-28
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my Account. This accoutn is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am Asking you to verify as Accurate. 

Here 's the account Information XXXX XXXX XXXX Account Name : XXXX XXXX Acct XXXX XXXX
Consumer complaint received 2024-06-28
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. (GA)

I've reached out to XXXX numerous times throughout the years, in the beginning of last month of XXXX I sent them XXXX letters expressing my concern about reporting inaccurate information which is effecting me financially tremendously. I have spoke to them over the phone as well and let them know to send me something validating my signature with the original creditor and they are not able to provide that information. XXXX is not complying with their own policies in a timely manner is also a problem for me.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.