davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CO)

One day it was suddenly locked- when I went to make a payment. 
I called in and they said I could pay them ( the person on the phone ) and that I was locked out. That the only way to even be able to PAY was to send a copy of my license. 

If they think I'm a con, whatever. They should ask for ID ahead of time if they think they're protecting themselves but, asking for a license after the fact and not allowing me to make payments IS GOING TO HURT MY CREDIT and it is... not making me happy to put it politely. 

I am not the first. There's at least 2 or 3 other recent cases just on XXXX alone. Apparently lately, they're handing out cards and then revoking access once a balance is due. 

What this achieves, maybe you can figure out. It seems backwards to me but maybe there's some sort of logic I'm failing to see? 

The other 5 companies I bank/card with are all fine. Something is wrong with XXXX. 

I don't care about a card with a 500 dollar limit. I do care about my credit and 1 ) I am not sending my license to some random person, I've had my ID stolen at least twice. 2 ) I am not sending payment to a third-world country. I work with foreigners. It is not racism. It is someone getting paid 2 dollars an hour to answer phones. People get greedy. Our stuff gets stolen when provided to random places like this.

If it's really an american company, I should be able to pay in america. That sounds pretty XXXX  and please don't think of me as that backwards but really, it's true. If they aren't cons, I should just be able to pay my bill and not have all of this weird XXXX from them. 

There are no documents to attach as they will not let me switch off of paperless now. They will not provide paper statements without my license ....
Consumer complaint received 2024-07-01
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (TX)

On XXXX XXXX, my valid charges were refused by Barclays MasterCard. Barclays XXXX  would not respond to requests by phone or secure online messaging ( online account portal ) for clarification of rejected charges. After several days of online and telephone queries to Barclays XXXX representatives in the XXXX, Barclays sent a message informing me of a letter that was sent to my address of record. They would not provide the information over the phone or electronically. Barclays insisted I had to read the physical letter. Upon returning to my residence address, I opened the letter from Barclays XXXX which was directed to my 'Estate '. The letter said I passed away and the account was Closed. I made more than XXXX calls to Barclays XXXX customer service numbers. Barclays directs all its XXXX ' and XXXX ' phone calls to the Philippines. I spoke with more than XXXX different call center contacts in the XXXX. On XXXX occasions, Barclays agents said they would initiate an XXXX XXXX and respond within XXXX hours. Barclays never followed-up. Barclays repeatedly stonewalled me, passed me from XXXX department to another, and refused to provide any information about the account closure. Finally, after 5 days of repeated calling and messaging, a Barclays XXXXXXXX XXXX XXXX representative in the United States ( an American ) admitted the account was closed because someone reported me dead. Barclays would not explain the basis for the cancelation. Barclays would not explain what efforts they made to verify they were speaking with an authorized person. In spite of the extensive amount of times I had to provide specific details about my account in order to be acknowledged as the Cardholder. It is obvious that Barclays XXXX makes absolutely no effort whatsoever to validate the identity of random, anonymous callers who contact Barclays to report account holders as deceased. Barclays is perpetuating fraud and identity theft by way of its lack of security, lack of privacy protections, and lack of effort to shield its consumers from harassment, fraud, and identity theft. The Barclays XXXX XXXX XXXX  representative XXXX me I had to obtain a XXXX  Order ( XXXX ' ) to force Barclays to provide any information relating to the errant, false, malicious report of my death and clear defects relating to Barclays incompetent internal process and lack of validation policy relating to random callers.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My name is XXXX XXXX XXXX XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX pa I live for the past 3 years recently move to XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX XXXX, XXXX, transunion are been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Equifax reports me as liable for a derogatory XXXX account for which I was only an authorized user. The furnisher, XXXX, verifies that I was not liable and that I was only an authorized user. Please see attached PDF file.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

CFPB, XXXX XXXX XXXX XXXX XXXX VA IS NOT MY ADDRESS AND I'VE NEVER LIVED THERE.
Consumer complaint received 2024-08-05
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)

On XXXX XXXX I received alerts from my credit report. Just as well as an email from XXXX XXXX stating I changed my email on file but I didnt.And when I checked my report someone unauthorized had tried apply from 3 different places credit. I called immediately to all 3 bureaus and reported problem and immediately to place a freeze on my credit report. And I now check my reports on regular only to find out these 3 unauthorized inquiries are still on my TransUnion report. 1.XXXX which listed as credit card but the number provided ( XXXX ) XXXX when called later stated its a debt collector. 2. XXXX ( XXXX ) XXXX placed and advised to enter social once more this recording stating they are a debt collector. 3. XXXX XXXX ( XXXX ) XXXX this number as well states same thing. On today again I called twice to TransUnion and spoke with 2 agents one provided wrong information to report to identity theft.gov and the other agent XXXX gave me ftc.gov to report. I take this matter seriously and I cant seem to get this resolved please help me by removing these unauthorized inquiries.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX OF XXXX XXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within XXXX days.
Consumer complaint received 2024-08-04
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)

I filed a dispute with all three credit bureaus due to identity theft and mailed them the supporting documents which included in FTC identity theft report, but they all continue to claim that there is no identifiable information on the report, even though they managed to find my account to email me but claim they are unable to find my credit report Sending my Social Security number and all personal information and a letter is something I am not comfortable with doing. I provided all information Needed to identify me other than my Social Security number. They refuse to let me email or fax the documents over as well which would make it a lot easier for everybody involved they constantly give vague responses and say they are unable to identify me, which is not true because they email me and are able to find that information and when I call over the phone, they can see that the dispute is attached to my account. They just do not do their job and remove the information.
Consumer complaint received 2024-07-12
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: Experian Information Solutions Inc. (CA)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX ( XXXX ) ; Correct Account # XXXX ( In the credit report the XXXX XXXX Account XXXX is INCORRECT ) ; XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXXXXXX XXXX XXXX  to the Debt Collector XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account is XXXX, {$69000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX, {$98000.00} Charged off ( C/O ) XXXX XXXXXXXX XXXX Correct Account XXXX XXXX ( In the credit report the XXXX XXXX Account XXXX XXXX is INCORRECT ) {$100000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXXXXXX XXXX XXXX to this Debt Collector ) XXXXXXXX XXXX XXXX ( aka XXXXXXXX XXXX ) Account is XXXX, {$69000.00} Charged off ( XXXX  ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Collection Information on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information regarding a collection account that appears on my credit report. The collection account in question is identified by XXXX, and I believe it is reported inaccurately. 

The specific inaccuracies are as follows : The reported balance of {$9800.00} is incorrect. According to my records, the correct balance should be {$8500.00}. 
The account status is listed as open on XX/XX/XXXX but it was reported to the credit agency on XX/XX/XXXX. I have requested a copy of the original lease agreement signed by me and a list of charges I was told that the file was destroyed in a fire from preservation square apartments the original company who is reporting this information. 
I have already attempted to resolve this issue directly with the collection agency National Credit Systems, but the inaccuracies remain unresolved. Enclosed are copies of documents supporting my dispute, including a picture of the court docket entre. 

I request that the CFPB assist in correcting this inaccurate information and ensuring that it is removed or updated on my consumer report. Accurate credit reporting is crucial, and this incorrect information is negatively affecting my creditworthiness. 

Please inform me of any steps taken to resolve this issue and provide a written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
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. (TX)

I have requested for the credit bureau Trans Union XXXX XXXX XXXX XXXX to send legal written documents over showing how they validated the debt owed by the debt collector " XXXXXXXX XXXX XXXX which they fail to do so. 





XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX SSN : XXXX To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of documents provided bearing my signature, showing that I have a legally binding contractual to pay them the exact amount claimed. 
Any automated response or XXXX  verification is unacceptable. I am requesting a re-investigation AND your Method of Verification.

Be aware that I am making a final Goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filing a complaint with the Consumer Financial protection bureau and the Attorney generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX trans union XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for XXXX. XXXX XXXX XXXX My contact information is as follow : XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.