davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am getting system error prohibiting me from controlling by protective credit freeze on Trans Union. Therefore I am at undue risk because I can not take advantage of their advertised services via Trans Union Service Center. I have been receiving this error for months Sorry, we're having trouble showing the status of your credit freeze right now I have called multiple times. Late in XXXX, someone opned a technical support case and said the issue would resolve overnight. ( XXXX XXXX XXXXXXXX for freezing error - escalating to " special handling '' department System Error- ) On XX/XX/XXXX spoke to XXXX, said it was not escalated to the r '' special handling ''. She claims to have escalated it to special handling and said I will get a call back my cell with 2-3 biz days. I never received a call back. On XX/XX/XXXX I followed up and received the following responses : XXXX. I called to complain and gave my case number. The rep had trouble understanding me and did not speak understandable XXXX and hung up the phone loudly while I was explaining my expectations XXXX. Called back. XXXX did not understand me, then cited call difficulties and hung up. XXXX. Called back. Explained the problems I was having to another agent. The line went silent then terminated. XXXX. Called back and asked for escalation. On hold for XXXX minutes. No response. Each callback requires multiple security prompts and takes several minutes to clear. I am still experiencing the error. 

Started cfpd complaint XXXX. The company responded making false assertions about resolving the technical issues and so informing the federal office responsible for regulation. The company misrepresented the state of the technical issue as well as the dates and times of actions taken per my feedback to that case 's closure. XXXX. THE COMPANY DID NOT RESOLVE THE ISSUE. 
XXXX. THE COMPANY DID NOT INITIATE A PASSWORD RESET AT THE ASSERTED TIME. 

I am still at risk because I can not control my credit report conveniently and with the same expectations other users have via the advertised features on the site that I am enrolled in and should be able to access.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, Im XXXX XXXX writing to request a new fraud alert be placed on my credit report. My previous fraud alert has expired, and I want to reestablish this protection. Can you please confirm my identity and verify I am who I say I am before setting up the new alert? 

My identification details see attached : Drivers License and SSN Id like the fraud alert to remain in place for extended length of time ans would appreciate a confirmation number or unique identifier for the alert once activated.

I am requesting this fraud alert due to concerns over potential identity theft and misuse of my personal information. I would like to ensure that creditors and lenders verify my identify before extending credit in my name. I hereby authorize XXXX to contact me at the following phone numbers in connection with this fraud alert : Cell number XXXX Landline number XXXX Please activate this fraud alert immediately and notify me once completed. 

Thank you for your assistance in helping to protect my credit information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-29
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. (NY)

Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. My credit report is still showing late payments on XXXX XXXX & XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
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. (CA)

I am writing to dispute the accuracy of this account on my credit report. Upon reviewing it, I discovered inaccuracies that need immediate attention. 

Firstly, this account was not part of any bankruptcy proceeding and should not be reported as such. Secondly, the balances reported for this account is incorrect and do not reflect the actual amounts owed : There was an error in reporting this account, and I request they be removed or updated to reflect their accurate status. I understand the importance of maintaining accurate credit information and ask that you conduct a thorough investigation into this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My account with ( XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX ) 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, Absolute Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested information.
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

I received a letter I owe from a rental property I moved out of due to unhealthy living situations. 2 years later, I received a letter advising I owe $ XXXX. They turned me into the credit bureau 2 years with this debt collectors name and didnt realize until I did a credit check. They sent a letter stating I have 30 days to pay but no knowledge of it. They purchased a false debt
Consumer complaint received 2024-06-10
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. (MN)

I started getting collections calls for accounts that I had never opened and after checking my credit report at each of the XXXX bureaus I found fraudulent accounts on all of them. So I filed an identity theft affidavit with identitytheft.org and filed disputes at each of the XXXX bureaus attaching the identity theft report to each of them. However, when they brought this fraud to the attention of these creditors they simply turned around and said the information was verified as accurate. Which kinda blows my mind, of course it will be my correct info. THATS HOW MY IDENTITY WAS STOLEN! 

I submitted these disputes multiple times and each time was told the info was verified as accurate. From my understanding, submitting the identity theft afidavit is all I needed to do to get the fraud removed from my credit reports, only to this day these fraud accounts are still destroying my credit making me unable to use my credit at all. 

The only credit I ever took out in my name was from XXXX XXXX, XXXX auto loans, XXXX credit card, and XXXX line of credit. Other than that I had XXXX credit card with XXXX XXXX. THE REST OF THE ACCOUNTS ON MY CREDIT ARE FRAUD.
Consumer complaint received 2024-06-11
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. (OH)

I have just obtained a copy of my credit report and noticed the following errors. XXXX ) XXXX XXXX XXXX XXXX ACCT # XXXX I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. 

XXXX ) XXXX XXXX  ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Subject : Report of Identity Theft and Fraudulent Account Openings by Bank of America and XXXX Dear CFPB I am writing to report a case of identity theft and fraudulent account openings perpetrated by Bank of America and subsequent reporting to XXXX. The events transpired in XXXX, where three accounts were opened by an individual using the name XXXX XXXX and my social security number, albeit with incorrect personal information. 

The fraudulent account openings occurred as follows : XX/XX/XXXX : First account opened XX/XX/XXXX : Second account opened XX/XX/XXXX : Third account opened All accounts were closed in XXXX. Bank of America accepted the applications and facilitated the account openings despite the provided incorrect personal information, including the discrepancy in the name not belonging to me. Furthermore, Bank of America reported these fraudulent accounts to XXXX, and XXXX consistently accepted and reported this false information every month. 

My attempts to gather information regarding the reporting party to XXXX were met with resistance from XXXX agents, who declined to provide any details or disclose the identity of the entity that reported these fraudulent accounts. 

This situation has had a significant impact on my financial wellbeing, credit standing, and overall peace of mind. I have taken steps to dispute and rectify these fraudulent entries, but the lack of cooperation and transparency from both Bank of America and XXXX is deeply concerning. 

I kindly request that the Federal Trade Commission investigate this matter thoroughly and take appropriate action to rectify the harm caused by this identity theft and fraudulent reporting. Your assistance in resolving this situation and ensuring such incidents do not recur in the future would be greatly appreciated. 


[ XXXX XXXX ] [ XXXX ]
Consumer complaint received 2024-06-10
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. (NY)

I RECENTLY REVIEWED A COPY OF MY CREDIT HISTORY AND CAME ACROSS FRAUDULENT TRANSACTION, PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2024-06-11
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. (LA)

AFTER REVIEWING MY ANNUAL CREDIT REPORT BECAUSE MY INFORMATION WAS COMPROMISED IN A DATA BREACH WE NOTICED SEVERAL INQUIRES THAT WE DID NOT AUTHORIZE IN A ATTEMPT TO OPEN NEW ACCOUNTS AND ALSO SOME ACCOUNTS WE WERE NOT AWARE OF ON OUR CREDIT REPORT WE HAVE FILED A POLICE REPORT AND THEN NOTIFED THE IDENTITY THEIFT .GOV AND ALSO HAVE PLACED A FRAUD ALERT AT THE CREDIT BUREAUS AS OF TODAY
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NJ)

I will send this message to Wells Fargo Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Dear sir, I would like you to investigate my business card ending in XXXX because of the several issues by illegal usage of my credit cards offered by XXXX XXXX and some problems with XXXX XXXX XXXX XXXX XXXX to make sure future safe usage of my credit cards. One of the concerns, which I have checked my account in your company website was that I have received the notification that my business card was meant to be closed in 15 days last month. Therefore, I have strong feeling to be checked for safety. Unfortunately, I discarded this letter from your company. 

Sincerely,
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-06-10
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 reached out to the 3 major credit bureaus to assist me and requested deletion on account errors on my account. Only XXXX helped me and complied on the removal of errors, while XXXX and Transunion required to report it to police or FTC for Bad Business Practice and Unauthorized Inquiries negatively impacting my credit report. 

Transunion Errors for removal : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX for removal : XXXX. XXXX  XXXX ( Duplicate and unauthorized ) - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX, XXXX
Consumer complaint received 2024-06-11
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX  XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification. 


.
Consumer complaint received 2024-06-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent XXXX letters dated on XX/XX/2024 to these XXXX credit bureaus, XXXX, XXXX, and TransUnion to inform them of inaccurate information ( late payment removals/derogatory ) concerning XXXX closed accounts that needs to be removed immediately.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (IN)

I bought a prepaid credit card at XXXX owned by Blackhawk Network Email : XXXX Fax : ( XXXX ) XXXX Phone : XXXX before i even tried ot use it i had a fradulent charge for the entire {$400.00} I callled them IMMEDIATELY - they still have not given me my money back or reolved the issue I was on vacation & counted on that money to use on this trip now I am very very tight on money. This needs to be resolved today. I am out of pocket due to the fact the company was careless in thier security measures. Please help me resolve Thank you XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.