davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (NV)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
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 am a XXXX of the united states, i noticed that my credit was being used in an fraudulent matter. The only account I've ever had was my XXXX  account and that Is paid on a timely matter. The other account I never authorized. I never opened any fraudulent or gave any consent to anyone to open such accounts. I do know that i only gave my information to taxpayers. I never authorized for any creditor to access my report or to open any accounts. The addresses and accounts needs to be removed. the same fraudulent account is reporting and needs to be removed.
Consumer complaint received 2024-10-08
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-07
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Account Number : XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I transferred by XXXX XXXX XXXX XXXX and XXXX XXXX balances to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Experian letting them know the balance on my XXXX  card was incorrect. XX/XX/XXXX I received an email from Experian that after their investigation they would not change the information. As a result of the fraudulent information my credit score decreased due to the utilization.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 to be 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. 


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 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION : I have requested that my outdated names, erroneous names such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all erroneous/outdated following telephone numbers reported are old, erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employment data reported is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERRONEOUS INFORMATION IS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERRANEOUS /NO LONGER REVELANT EMPLOYMENT HISTORY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERRONEOUS NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : ERRONEOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-31
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)

XXXX XXXX Quick silver I have sent my DL and copy of my ssn in branch, faxed, uploaded everything since XXXX when I took out a auto loan with capital XXXX and that started this mess. I am XXXX XXXX XXXX born in XXXX in XXXX of XXXX I did not receive a ssn until XXXX. This XXXX XXXX account was open XX/XX/XXXX partial acct # XXXX ... credit limit {$6300.00} with a balance of {$5700.00} I would have been XXXX XXXX XXXX and 10 years before even qualifying to have a ssn. I dispute and all capital one does is verify the amount and expect me to pay an account that's not mine. They have also shut down and restricted XXXX of my XXXX credit cards because of this and blocked me from allowing me to make payments on my card though the years causing late payments when they somewhat get it together and allow me some access to make payments. My credit and when I banked with XXXX XXXXXXXX, my bank info with them also got mixed together with this other customers ' I have been given access to her ( XXXX ) account though out the years yet no one can understand its not me this other customers account is even in a different language.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

Complaint was filed previously due to fraud transactions on account. US Bank approved partial and denied partial and they are claiming I did transactions after I have informed them I was under medical treatments, XXXX, and I having fraudulent alerts on my credit reports. After I informed them of this they didnt due their due diligence to close the debit card. Continued transactions occurred and now they arent accepting accountability on their end and have placed a hold on my account and are stating they will be closing it. 
I have bad health and this is causing me a financial burden, credit reporting, and emotional distress. Release my money, credit me back for the fraud, and do not close account. I dont need a XXXX debit card, I just need my account open due to XXXX payment that will process. I am ready to go to XXXX XXXX! I feel like Im getting harassed and discriminated!
Consumer complaint received 2024-10-07
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-10-07
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)

XXXX, TransUnion, XXXX, I requested on or around XX/XX/XXXXXXXX  for validation of the debts I mentioned and the XXXX  XXXX filed in XXXX XXXX Nevada in XXXX. I have not received validation of these debts. I also disputed credit inquiry and they are still on my credit file. I'm asking for the validation before I seek legal counsel. It's been 30 days and what progress has been made on my request for proof of validation?
Consumer complaint received 2024-09-12
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. (TX)

I recently reviewed my credit report and recognized unauthorized accounts and hard inquires on my credit report that I am certain I did not make Please provide all documents of the account that is on my credit report I never gave a written consent to report accounts that are identity theft. 
I have attached what is required to delete this account attached. 
FTC report Copy of ID and SS card.

Current Proof of Address
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-07
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)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-07-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Yes hi my name is XXXX XXXX and bank. I was recently a Bank of America, client and the bank close my account without any knowledge of me. XXXX and I got funds that are gon na be going into that account on XXXX XXXX for XXXX and then I have my XXXX Social Security XXXX check that will be going in on XX/XX/2023 and I need access to the funds immediately to be able to pay my bills and things that I had to sell and the bank is saying that I wont have access to reading funds until probably the end of XXXX or beginning of XXXX and I can not go that long so I will please like you to help me get my funds reimbursed then and help me get access to my flaims The metet Great ouwes soon as they going to the account please its an emergency I have to pay my bills
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Kohl 's and Capital one are opening up unauthorized lines of credit in people 's names.

About 2-3 months ago I started getting some emails about a Kohl 's credit with Capital one. I initially thought this was just a scheme or junk mail, however I received a letter that said welcome to your new captial one kohls credit card and had 4 digits in the letter and this made it seem more real. I immediately called Capital one and spent 1.5 hours on the phone and I tried to cancel the card and obtain information on how the card was even opened so I could file a police report and report credit card fraud. I found them to be very evasive and they could not give me any information. They could not send me anything, they could not cancel anything and they could not explain who opened the card. I got a variety of responses that ranged from " You are not in our system '' to " you will need to call Kohl 's ''. 

I have made a few more phone calls to try to resolve the issue, but I spend literally 20-65 minutes on hold and get transferred many times to get no resolution. 

Today I called the XXXX Oregon XXXX store and spoke with a Manager and explained my situation. I told him I have already called Capital one and I am not getting resolution. I was given the phone number of XXXX to call for help. I was told this was Kohl 's. I was on hold for 27 minutes and when I told the caller I wanted to cancel whatever business with both Kohl 's and capital one cards and find out who authorized a credit card in my name he told me he couldn't help and I needed to call captial one at the number on the back of my card. I explained to him I have already called them and I need to get this resolved. I will be honest I think what happened is Kohl 's must have sent my information unauthorized to Captial One and Capital one opened up a line of credit in my name unauthorized. I am lucky I read these letters and emails as they all very much looked like spam.

I know that both Kohl 's and Capital one benefit anytime a line of credit is open and this is very shameful they are doing this unauthorized. I can easily see how someone who is elderly would miss your communication. Be very careful and aware when dealing with these two business.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2022, my credit score dropped XXXX XXXX in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

XXXX, Transunion, and XXXX all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a XXXX month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.
Consumer complaint received 2023-10-31
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. (TX)

I would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting. As a data reporting provider It is imperative that you meet the minimum criteria to required to report with the conditional proveledge to do so. Failure to do so raises doubt about the validity of any and all claims that you make XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
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. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX