davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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. (WI)

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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with 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 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 ( MONTHS REPORTING 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 TRANSUNION 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 2024-09-19
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$820.00} XXXX XXXX XXXX. {$1300.00} XXXX XXXX bal. {$3600.00} XXXX bal. {$670.00} XXXX XXXX bal. {$1200.00}
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion website and app NEVER EVER lets you check the status of a credit freeze or access to credit report. It always reports that they are having trouble or your information is unavailable. Very frustrating when trying to protect your information in a data breach. XXXX and XXXX are GREAT, accessible and easy to use. Your information on Transunion is NOT accessible EVER and this is a long-standing issue with their online platforms
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following account and I request that you investigate this inaccurate information as it is essential that my credit profile is accurate with correct information & not incomplete with information that does not belong to me!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2024-09-19
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. (SC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING 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 TRANSUNION 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year> I receive an alert that a payment on an account was marked late. Having what was an active NCUA investigation on this account, I started to report this information as inaccurate on my credit file. I was able to dispute this informaion with XXXX, but interestingly, not Transunion. All of a sudden I do not have access to my Transunion credit online account as I did previously for years. What is also coincidental is that Transunion is the credit reporting file that is used by the SBA to approve Small Business Loans and my loan application is up for review to help open an Educational Consulting organization that helps underpriviledged and underserved communities. I want the CFPB to publish this description of my account on consumerfinance.gov so that others can learn from my experience and guard against blatant attacks of injustice.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (MS)

I used a link to try to place a security freeze on my NCTUE report. It ended up placing the freeze online but it DID NOT generate a confirmation page or the 10 digit pin I need to lift the security freeze. Nowhere on their website does it tell you how to handle this if it happens!
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (CA)

My identity was stolen and was used to open a business credit card at Truist bank. I have reasons to believe the imposters used fake identification documents at a physical Truist bank location in XXXX XXXX to open this account. There is a hard inquiry from Truist bank on my credit report placed on XX/XX/year> which is unauthorized. I have contacted Truist bank twice ( on XX/XX/year> and on XX/XX/year>, Case ID XXXX ) requesting closure and confirmation of closure of this fraudulent account. They confirmed the existence of this unauthorized business account but have not been able to provide me with confirmation of closure. 
I have taken measures and filed a police report with XXXX XXXX PD ( PA ) and XXXX XXXX XXXX ( VA ). I have reported the fraudulent business ( XXXX XXXX XXXX XXXX XXXX entity ID XXXX, registered in VA ) to the Virginia attorney general 's office and state corporation commissioner 's clerk. I have frozen my credit report across all 3 credit bureaus and placed fraud alert. Per FTC 's identity theft guideline I need confirmation from Truist bank that the fraudulent account has been closed and to acknowledge that this account does not belong to me. Truist bank has not been able to provide such confirmation in a timely manner.
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view my credit report.
Consumer complaint received 2024-09-19
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. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This account was charged off on the following date ( XXXX, XXXX  ) since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account name XXXX XXXX  Account number XXXX
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/year> - capital one restricted my card- I called in and they removed the restriction, again I tried to use the card and the resiriction was in place. I then called back and then said they needed a picture ID and I ask them if this was a call center or bank - she would not answer and insisted on a pic ID. I have called 4 times and talked with managers and higher up and no one can help. XX/XX/XXXX I was transferred to a manager and we then both said that this could not be resolved without a pic ID. I ask them to close and reopen the account and they said no. We then with a live person went of the complete balance of the account and I then transferred the money to get the balance to XXXX and waited 2 more days before I called back in and verified that the account with a XXXX balance and ask again if there was anyway to remedy the problem without sending personal ID information out to them- again said no - we then verified again the account balance of XXXX balance and closed the account verified with an email even forfeiting my rewards on the account. Then XX/XX/XXXX we get a balance due of XXXX again called in and no help saying the account is closed and I owe the money - I have the verIfied account closed email and XXXX balance screen shot after waiting to make sure all this would not happen and it did anyway. now still having resolution problems after the fact.
Consumer complaint received 2024-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute this inquiry
Consumer complaint received 2024-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fairway Collections, LLC (WA)

Hi I was contacted the first time from this company on XXXX, it's related to a medical bill that happened last year, however the medical company sent the notice to the event venue not to me directly, i was never able to pay this debt and the medical company sold this to a collection agency. They called me the first time and i thought it didn't go thru my insurance company first and then i disputed on that and asked them to contact my insurance first. They come back in late XXXX and confirmed the insurance company part, I asked them to send me a notice so i could pay but from XXXX - XXXX i never received them. In XXXX, i was contacted one more time and i asked about the notice still not receiving and inquire about evidence on sending the mail to me and they refused to share it. Now the company sued me because the debt.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally file a complaint against TransUnion, one of the major credit reporting agencies, for its repeated violations of the Fair Credit Reporting Act ( FCRA ). I believe that TransUnion has failed to uphold its legal obligations, causing significant harm to my credit profile and denying me access to vital information about my credit standing. 

1. Inaccurate Data on My Credit Report Despite my numerous attempts to correct errors on my credit report, TransUnion has consistently failed to address these inaccuracies. I have filed multiple disputes regarding incorrect information that continues to appear on my credit report. Each time, I have provided sufficient evidence to support my claims, yet TransUnion has either ignored my disputes or failed to correct the erroneous data. This persistent inaccuracy is a direct violation of FCRAs mandate that credit reporting agencies maintain and report accurate information.

2. Denial of Access to My Credit Report and Credit Score For the past several months, I have been unable to access my credit report and credit score through TransUnion. Despite multiple attempts to retrieve this information, I have been consistently denied access without any valid explanation. This lack of access impairs my ability to monitor my credit health and take necessary actions to manage my financial responsibilities. This, too, is a violation of my rights under the FCRA, which entitles consumers to access their credit information. 

I am deeply concerned that TransUnions actionsor lack thereofare negatively impacting my financial standing and potentially my ability to secure credit or favorable interest rates. These repeated issues are causing me undue stress and frustration. 

Given the seriousness of these violations, I respectfully request that the CFPB investigate TransUnion 's practices and take appropriate enforcement action to ensure they comply with all applicable laws under the FCRA. I also request that my credit report be immediately corrected, and that I be granted full access to my credit report and score without further delay.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC (NY)

I am a current victim of identity theft that was discovered in XXXX of this year XXXX. 
This particular debt this complaint is about was already trying to be collected months ago from a different debt collection agency for which I provided all the necessary documentation to prove the identify theft that I am a victim of. 
Now a new debt collection agency is trying to collect on this same debt that was dismissed. 
This one is from Glass Mountain Capital LLC, the original debt collection agency they are trying to collect for is XXXX XXXX, whom again as I stated, had already tried to collect on this fraudulent debt and been made aware of my identity theft crime. 
I provided them all the necessary documentation as well and asked for a cease and desist which they did not honor and made a note of that and that unfair practice. 
I am enclosing my documentation for review. 
The amount of this debt collection attempt is {$910.00}. 
Again, this is not my debt I am not responsible for credit cards and accounts opened in my name and used without my knowledge and consent and obtained illegally. 

XXXX XXXX XXXX