davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has purchased false information from XXXX XXXX XXXX and using this information against me on my credit report without factual evidence of this alleged bankruptcy. I have asked Transunion for proof of this alleged bankruptcy in the form of a legal notarized agreement or contract with my personal signature or consent and Transunion is unable to provide any factual documentation. Using consumer information is a violation of my FCRA privacy laws and I have not provided my social security number or drivers license or any personal data to the third party entity XXXX which was recently sued for millions of dollars for violating consumers rights. I am a recipient of monetary compensation awarded to me from the FTC of which XXXX paid out millions of dollars to victims like myself for misusing and falsely claiming debt and fraudulent financial statements that I have not done. Transunion is aware of XXXX lawsuit and is still violating my rights.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a current late pay reporting on my credit report that is not correct. The bank that reported the late pay has acknowledge through several correspondence that this was indeed an error. I called the XXXX major credit bureaus reporting this error and have provided them proof that this is an error, but they are still choosing to allow this misrepresentation to appear on my credit report. I also sent the XXXX major credit bureaus the letters that I received stating the same. Furthermore, the bank also claimed to have sent the same letters that they shared with me to the credit bureaus, yet these errors still remain. This is causing me great harm. I a hoping The Consumer Financial Protection Bureaus can assist me in making this wrong right.
Consumer complaint received 2023-05-27
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-08-25
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. (TX)

A XXXX XXXX XXXX debt account being serviced by Advantage with partial account number XXXX has been showing on my credit report with all XXXX credit reporting agencies since last year. I have tried to reach out to Advantage multiple times by phone to get proof of debt as I do not have anyone in school with financial assistance nor have I applied for XXXX. Everytime I call I get a recording and when I choose the option to talk to someone the call hangs up everytime. The account is showing current with someone ( not me ) making payments on it. I have disputed this account multiple times with all XXXX credit reporting agencies since 2023 asking for proof of debt and each credit reporting responds to my disputes that the debt is valid without providing proof of debt.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MN)

This again is another problem with TCF Banking on my checking account- I have recently submitted practically- same problem and issues few month ago ). 
Being charged Overdraft fees on XX/XX/2018 {$37.00} for XXXX XXXX when online banking shows nothing negative see pg 3of16 printout with Running Balance yet I am being charged overdraft fee, And Again on XX/XX/2018 Twice overdraft fee $ XXXX I made purchases in XXXX  and checked balance ( my log in tells when electronically permanent record - I did a transfer into my checking account on XX/XX/2018 from my computer which credit my account $ XXXX TCF states that " Before XXXX to credit/adjust account is the " Cut off time '' ... this did Not happen. I printed my banking info from a library The print out shows my Account username on bottom of page! '' This is Private/Confidential Information '' and a persons Username " Should Never be Printed ''! This is Careless/wreck less- exposure of my Private information that's not being securely contained. I made a Cash deposit on XX/XX/2018 the receipt shows XXXX I asked Teller why does this show XX/XX/2018 when today is XX/XX/2018? her response is that's when it will credit your account- So why is it that when a Cash deposit doesn't get immediate credit and why when I deposit into account receipt does not show " TIME DATE Current- Stamp? Wrongfully stating account transactions-Different dates varies when transactions Actually Occurred-Fraudulently charging overdrafts to Purposely Causing '' a Dominos Affect on banking account adding more fees- what is online showing account activities is not Corresponding with what TCF " so called states '' TCF should be paying me Harm and Distress of exploding my Private confidential information not securing and to show me verify the Times that Transactions Transpire BETTER REGULATIONS and PREVENTIONS ARE GREATLY NEEDED HERE.TCF IS CHARGING OVER DRAFT FEES WHEN : TRANSACTIONS SHOW RUNNING BALANCE NOT NEGATIVE BALANCE AND THEN CHARGING OVERDRAFT FEES BEFORE CUT OFF TIME MAKING ANY OTHER TRANSACTION BE NEGATIVE.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid 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 (TX)

I am writing to address the ongoing issue regarding the account restriction on my Capital One Quicksilver Secured credit card. As a responsible and dedicated cardholder since XX/XX/XXXX, I value the services provided by Capital One and have diligently maintained timely bill payments and kept card utilization at a minimal level. 

On XXXX XX/XX/XXXX, I received a notice informing me that my account was restricted and that I needed to provide additional identity verification documents. In response, I promptly submitted all the requested identification documents as instructed on XXXX XX/XX/XXXX. I can confirm that all the required documents were successfully uploaded and received on your end. 

However, on XXXX XX/XX/XXXX, I received a follow-up call from Capital One requesting further identification documents for XXXX XXXX, who is an authorized user on the same credit card account since XX/XX/XXXX. Specifically, Capital One requested XXXX XXXX 's XXXX driver 's license and social security number ( SSN ) card. 

It is important to note that XXXX XXXX is a citizen of the XXXX XXXX and entered the United States on a tourist visa. He possesses a valid XXXX driver 's license issued in Texas, a copy of which ( front and back ) was submitted to Capital One on XXXX XX/XX/XXXX. However, as a visitor to the XXXX, he is not eligible to apply for an SSN, and thus, does not currently hold an SSN card. I conveyed this information in a formal letter to Capital One dated XXXX XX/XX/XXXX, a copy of which is attached for your reference. Regrettably, I have not received any response from Capital One since then. 

In an attempt to resolve this matter, I contacted the hotline at XXXX on XXXX XX/XX/XXXX to follow up on the case. During the call, I was informed that I should provide the ITIN ( Individual Taxpayer Identification Number ) for the authorized user in lieu of the XXXX. Unfortunately, XXXX XXXX is not eligible to apply for an ITIN due to the same reasons as the XXXX. Once again, I explained this situation in writing to Capital One through a letter dated XXXX XX/XX/XXXX, a copy of which is also attached. 

Throughout this entire process, I have consistently inquired about acceptable alternatives to the SSN/ITIN as proof of identity for XXXX XXXX, considering the unique circumstances. I am more than willing to provide a copy of his XXXX visa issued by the appropriate XXXX authority or his passport as further evidence of his identity. However, Capital One has firmly insisted on the requirement of an SSN/ITIN, which I am unable to provide. 

Additionally, I have proposed the removal of XXXX XXXX as an authorized user if it would help resolve this situation. Unfortunately, I was informed that no changes can be made to the account while it remains under restriction.
Consumer complaint received 2023-05-27
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. (NC)

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous Complaint requesting the removal of the fraudulent accounts and information off of my Credit File. It is important to emphasize that, according to the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are causing significant harm to my creditworthiness. I did not open the following accounts neither did I authorized anyone to do so in my behalf, therefore I need you to remove the following items as soon as possible : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00}. I want to make it clear that I have already reported this fraudulent activity to the appropriate authorities and provided all the necessary documents to prove the fraudulent nature of these items. I have also requested that the responsible creditors investigate the matter and remove them from my credit file.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (NC)

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous Complaint requesting the removal of the fraudulent accounts and information off of my Credit File. It is important to emphasize that, according to the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are causing significant harm to my creditworthiness. I did not open the following accounts neither did I authorized anyone to do so in my behalf, therefore I need you to remove the following items as soon as possible : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00}. I want to make it clear that I have already reported this fraudulent activity to the appropriate authorities and provided all the necessary documents to prove the fraudulent nature of these items. I have also requested that the responsible creditors investigate the matter and remove them from my credit file.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the ETF Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 
1099 Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. 
Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. 
Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. The following accounts are included : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting Act : 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 -- -- Accounts XXXX XXXX XX/XX/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/XXXX
Consumer complaint received 2023-05-27
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: LEXISNEXIS (MT)

I have contacted LexisNexis by dispute letter and vocally by telephone multiple times. I had very sensitive information, from a law firm, arrive by USPS opened. I filed a report with the Sheriff 's office and the OIG USPS. I will enclose a copy of the Sheriff 's Report. 
I will attach 3 letters to LexisNexis requesting my ID information to be Updated to only XXXX XXXX XXXX. 
LexisNexis has, at best, reduced the name count to only 3 name records. What I have found is that LexisNexis will keep adding names to the ID section of my consumer credit report. The latest report I have from LexisNexis - Consumer number XXXX, Case number XXXX, Dated XX/XX/XXXX. XXXX, Pages 4-8 of 92 shows 5 pages for a total of 23 Name Records. I will attach a copy of this report. Some of the Information goes back XXXX to XXXX XXXX XXXX. Some of the information is doubled up, has address I have never lived at. By law FCRA section 611 Information is to be reported accurately and completely or be deleted. I have lived at my current address for over 30 years.
Consumer complaint received 2023-05-27
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. (MA)

I am writing to file a formal complaint and dispute regarding the inaccurate information reported on my credit report by TransUnion. On XX/XX/XXXX, I contacted TransUnion to address the following issue, but I have not received a response to date. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). The details of the inaccuracy and the required correction are as follows : Account : XXXX   ( Date Opened : XX/XX/XXXX, Balance : {$90.00} ) The information presented for the account XXXX   is inaccurate. I am aware that the original creditor for this account is a distinct company, not the one indicated by TransUnion. Furthermore, the reported balance of {$90.00} is higher than the amount I believe I owe. I dispute the accuracy of this account and request verification of the Date Opened and Date of First Delinquency associated with it.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MS)

I received an update about my dispute through the mail with my results from my " reinvestigation. '' Unfortunately, Experian has violated the FCRA laws for credit reporting and sent a credit report stating that the item I disputed on my credit report was verified without providing the documentation given to them by XXXX XXXX : Account number : XXXX. I have everything I need to pursue legal recourse. In RICHARD V. FLEET BANK OF MASSACHUSETTS,190 F. SUPP. 2D 81 ( D. MASS. 2001 ). He stated that there was clear inaccuracies within his credit report and the credit reporting agencies failed to adhere to the laws by conducting a proper investigation. As a result the plaintiff sued and won. I have requested concrete documentation to represent the late payment history that is reporting in error and to my dismay, none has been provided. XXXX XXXX as well as Experian have violated my rights. I have requested under FCRA 623 ( a ) ( 8 ) documentation provided directly from the credit furnisher to prove the late payment, none have been provided. I have requested a proper investigation according to 1681i procedures in case of disputed accuracy and this has not been conducted thoroughly which is a violation. The company is also in violation of 1666b which is under the fair credit billing act. I have requested the documentation provided by the creditor to verify this information in my file. In which I have not received and it has been over 30 days from the date of the credit reporting agency receiving my dispute. This is also a violation. The integrity of this credit bureau is questionable due to the many violations. I am requesting that this erroneous late payment be REMOVED from my credit report. Failure to do so will be breaking the law and I have everything time stamped through the CFPB to plead my case as well as the multiple letters that have been sent on my own behalf.
Consumer complaint received 2023-05-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting you to request the removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence violates the FDCPA and FCRA. I insist on their immediate deletion and removal from my consumer report, as their continued presence constitutes a violation of multiple laws. I kindly request that you promptly take action to remove these accounts and associated information.
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (SC)

On XX/XX/XXXX I transferred funds into CashApp and a significant portion suddenly disappeared without explanation. I contacted their online support services. This is the explanation they offered We can confirm that an impacted transaction due to the error occurring between XX/XX/2023 and XX/XX/2023 has been resolved and your account has been adjusted to reflect the correct balance. The funds deducted from your account were the funds you previously used to make a payment with the merchant, but which were then incorrectly returned to your account due to a technical error. 

I have repeatedly asked them to provide me with the information they used to make this decision. I have followed all their procedures and they wont send me information so I can verify the accounting. I believe they are wrong, but I cant do anything since theyve refused to send me proof of this error that caused them to take my money. They tell you to do x, y and z to fold a dispute and when you do it they completely ignore the request.