davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-20
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is disappointing to see the result of my previous attempt to get these inquiries off my report, knowing that I have never permitted any of these and it is greatly affecting my credit report.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-19
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. (MD)

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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (TX)

I would like to unfreeze my credit report because I am in the process of opening a new savings account. As part of their standard procedures, financial institutions often perform a credit report review to verify identity and assess eligibility. By temporarily unfreezing my report, I am allowing the bank to complete these verification steps without delay, which will help me establish the account and take an important step toward building my savings and achieving financial security.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

I have not been provided monetary and other credits promised by American Express for using AMEX credit card No. XXXX XXXX XXXX XXXX, I applied for and received an American Express Delta Platinum XXXX XXXX. The initiation fee for the credit card was {$250.00} and under the advertised terms of the card, American Express would credit the card holder ( me ) {$400.00} after the card had been used to purchase a Delta XXXX flight. Additionally, American Express agreed to credit the card holder with XXXX Delta miles after {$3000.00} had been charged to the card within the first XXXX months. I achieved both of these milestones within the allocated time. 

Beginning in XX/XX/2022, I called American Express to find out why I had received neither the {$400.00} credit nor the XXXX miles. I was told both were " in process '' and that I would receive them shortly. After three further calls over the following several weeks I was finally told that American Express had decided to not credit the {$400.00} or the XXXX miles because I had had other American Express cards in the past which I had cancelled. ( I don't keep a record of my credit cards but I estimate I have had 3-4 American Express cards over the past 30 years ). I explained to the American Express agent that if American Express did not wish to honor these credits it should not have accepted my application in the first place. Furthermore, by accepting my application and charging me, and receiving, the {$250.00} initiation fee there was a de facto offer and acceptance of the advertised terms. 

After several attempts politely asking American Express to honor its commitment, I canceled the credit card and explained to an agent at American Express that I was leaving a balance on the card of {$250.00} as an offset against the initiation fee which I had paid when I received the card. 

For the last 18 months or so, American Express has hounded me with robo calls and has turned my account over to two collection agencies. ( I have spoken to both and after they heard the details of the alleged indebtedness neither agency bothered me again ). American Express has continued to add interest charges and late fees which now total over {$840.00} and has damaged my otherwise excellent credit rating. 

Since American Express has repeatedly refused to recredit the initiation fee for the credit card, I am now seeking to collect the {$400.00} credit that American Express owes me for purchasing the Delta XXXX ticket plus {$900.00}, which is a conservative estimate of the value of the XXXX Delta miles owed to me less the {$250.00} balance I left on the credit card when I canceled the card. This totals {$1000.00}.
Consumer complaint received 2024-03-12
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TX)

I have had a card with Ulta Beauty for over 3 years. It has had a credit limit of {$500.00} for the past 3 years. My card was compromised at the end of 2023. I called in to get everything corrected. Since then my credit has gone from {$500.00} to {$150.00} with no reasoning. I am on time with my payments and don't use the card that often. I called in to have this explained to me, and the supervisor said he can't do anything and I need to fix my credit.
Consumer complaint received 2023-03-23
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute a collection account that has been inaccurately reported on my credit file. XXXX is currently reporting that I owe {$1700.00} for an XXXX XXXX that I never received. This collection account is erroneous and should be removed from my credit report immediately.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/XXXX, I sent a certified letter to the company to verify the debt. As of today they still have not verified the debt. 

On XX/XX/XXXX, and XX/XX/XXXX, The Bureau alleged that Portfolio Recovery Associates violated the XXXX Order, the XXXX, the FDCPA, and the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V. Specifically, the Bureau alleged that Portfolio Recovery Associates violated the CFPA and, in some instances, the FDCPA, when it violated multiple conduct provisions from the XXXX Order, including prohibitions on ( 1 ) representing the amount or validity of unsubstantiated debt ; ( 2 ) collecting on debt without offering to provide necessary documentation to consumers ; ( 3 ) mispresenting that it would provide the offered documents within thirty days ; ( 4 ) collecting on time-barred debt without making required disclosures ; ( 5 ) initiating debt collection lawsuits without possessing required documentation ; and ( 6 ) suing to collect time-barred debt. The Bureau also alleged that several of Portfolio Recovery Associates practices for resolving disputes about the information it furnished to consumer reporting agencies ( CRAs ) violated FCRA, Regulation V, and the CFPA. Specifically, the Bureau claimed that the Portfolio Recovery Associates failed to ( 1 ) timely resolve disputes submitted by consumers directly to Portfolio Recovery Associates ; ( 2 ) properly respond to disputes that Portfolio Recovery Associates deemed frivolous ; ( 3 ) conduct reasonable investigations of consumers disputes ; and ( 4 ) maintain reasonable policies and procedures regarding the accuracy and integrity of consumer information that it furnished to CRAs
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

Hello, Re : Complaint Against PayPal- to use my account I have made an official complaint to PayPal and contacted them XXXX times with no avail ( XXXX times over text and XXXX time over the phone ). 

Since I went to XXXX for a work trip ( XXXX  days end of XX/XX/XXXX ) my PayPal account has been blocked/under review because I opened my PayPal app once in XXXX. It's negatively affected my business not having customers be able to pay me on PayPal the last XXXX  months which is unacceptable. 

Every time I contact PayPal over text it's AI useless responding, then many hours later transferred to a person texting " just wait we are reviewing ''. Every time I would ask them for a timeframe and sometimes I get XXXX business days my account will be activated and it has been just lies. On XX/XX/XXXX, I called PayPal on the phone and it was an AI responding not letting me talk to a person saying it will start a text with the AI for me and then hanging up on me.

No customer should have to go through this when they have done nothing wrong and just want to simply use their PayPal account. Please help. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (WI)

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 XXXX XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

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

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I NEVER USE MY INFORMATION OR PROVIDE MY INFORMATION TO ANY OF THIS COMPANYS I DISPUTE ALREADY ON MY CREDIT BUROS BUT STILL REPORTING SOME OF THEM i request help to investigate. i also notice that are auto financing companys and i dont have any valid driver license i demand must be delete from my credit report since i dont reconized any of this hard inquirys XXXX inquiry date XX/XX/2022 Business type XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX XXXX inquiRY date XX/XX/2022 Business type XXXX XXXX XXXX XXXX Companies Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (NJ)

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX bankruptcy : Bankruptcy Account number XXXX on date XX/XX/2020. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( 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.