davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2024-04-18
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)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. Account name : ( XXXX XXXX XXXX  ) Account # : ( XXXX ), [ Account name : XXXX Account # : XXXX ], ( Account name : XXXX XXXX XXXX Account # { XXXX }, [ Account name : XXXX XXXX XXXX Account # : { XXXX } has violated my rights. 15 U.S.C 1611has violated my rights. 15 U.S.C 1681 section 602 A. States 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. Also I keep getting denied credit by XXXX XXXX, XXXX XXXX, and a couple of others because of this. How rude... Given the fact that the entire transaction is predicated on my unlimited credit. How rude? Well title 15 subsection 1611 False and misleading denial of of my own credit. I would like to speak with the underwriter and give them this code also. I would like a listing of all the factors that were involved in this consumer transaction. This is not a credit transaction. It was a CONSUMER because I wanted to access a portion of my unlimited credit. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. My phone number to reach me is ( XXXX ) XXXX. I filed this plenty of times and nothing changed. Do I need to speak with someone else. I Would like this info taken down immediately. Thanks for taking the time to read my complaint. Hopefully this will get resolved.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, 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. (MD)

The following companies show inquries on my credit report without my knowledge or authorization:

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-27
Product: Credit reporting, credit repair services, 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)

To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-02-13
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

There are XXXX authorization holds on my account. Plus the total amount of the order plus the authorization hold on each individual item. XXXX declined the purchases and the bank put authorization holds on the money and let them have it anyway. XXXX declined purchase amounts then charged my account for the order total plus the individual items.
Consumer complaint received 2023-12-12
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. (MI)

I have been disputing multiple accounts with this agency on multiple occasions and have yet to be properly assisted. I have updated my personal info and still incorrect information is connected. I have these exact accounts apart of a lawsuit due to negligence. The same accounts are being added multiple times to change the ages. I am a single mom who has a XXXX XXXX XXXX XXXX. I can not get a car, a decent income source, credit or a home. I didnt know what to do so Ive come to taking legal action. I am needing desperately to get into a vehicle before the year is over because I live in a cold state. I want to get my baby a home of our own this upcoming year as well. 

I have been receiving calls, texts and emails in regards to these fraudulent accounts that should not be attached to my profile. This has been depressing and very life alternating. 

I have attached the tracking number for the latest dispute and personal info update submitted. I have yet to hear back about updates or investigation status.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

On XXXX/XXXX/2015 a request for modification review was sent to US Bank. On XXXX/XXXX/2015 at XXXX XXXX a call was made to US Bank - XXXX x XXXX and spoke with XXXX. The notes XX/XX/XXXX from processors were that docs were needed : co-borrowers signature and date on RMA, current retirement award letter and two months proof of receipt, and two months proof of receipt for SSI. On XXXX/XXXX/2015 these docs were faxed to the lender. Nothing had been received from the lender concerning addition missing documents until XXXX/XXXX/2015, where a voicemail was left for XXXX XXXX the processor after a letter stating that an updated XXXX form was needed. This was faxed to US Bank the same day. On XXXX/XXXX/2015 XXXX called in and advised of a new LIST of documents needed now. Stating that they need updated retirement award letter and a XXXX for co borrower - advised XXXX was received, but they want a separate one for XXXX, the co borrower. On XXXX/XXXX/2015 all the above requested documents were faxed to the lender. On XXXX/XXXX/2015 a third party attempted to get an updated but US Bank stated that the authorization had expired and could not speak with them. By XXXX/XXXX/2015 a new authorization was provided and faxed to the lender. On XXXX/XXXX/2015 a call was made to US Bank by the authorized third party and XXXX stated that we needed to add tax ID on third party authorization and that both borrowers need to sign the power of attorney to discuss the file. She was questioned as to why and she did n't know. A supervisor was requested and then the call was transferred to a line that rang and rang with no voicemail or pickup. Later that day the Tax ID number was added to the power of attorney and re-faxed it to US Bank. In the meantime no document stating of missing documents were ever sent to the attorneys office or the client. It was n't until XXXX/XXXX/2015 that the authorized representative from attorney 's office was able to speak with the lender and they stated that they were missing an updated award letter. The most updated award letter dated XXXX/XXXX/2015 had been previously faxed to the lender MULTIPLE TIMES at this point. Again this document was faxed same day to the lender. On XXXX/XXXX/2015 a call was received by the authorized XXXX party that the file was closed on XXXX/XXXX/2015 and a new submission was required. This is absolutely ridiculous. The lender played games not requesting all the needed documents at one time, but when documents were requested they were received in a timely fashion. There is absolutely no reason that a resolution should not have been reached by this time, let alone CLOSING the review. This review was handled haphazardly in a fashion to promote the foreclosure of XXXX XXXX 's home, when he has been doing everything in his power to attempt to work it out with the lender.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be deleted immediately. 

XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-04-18
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. (FL)

On XX/XX/year> The Credit bureaus stated account XXXX XXXX, Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2024-04-18
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 am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2023-12-12
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)

I have several fraudulent inquiries that are a result of identity theft. My credit report shall be fair and accurate and this is identity theft. I do not recognize any of these companies and I demand they be deleted off my credit report immediately. 
FRAUDLENT INQUIRIES Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MO)

I would like to have XXXX XXXX removed from all three credit reporting bureaus. Not only was this account opened due to my identity being compromised, but they have also opened duplicate accounts. I have submitted police reports and documents to support my claims, I have paid hundreds of dollars to credit companies to dispute these accounts. XXXX XXXX has not tried to resolve this issue I do not know who these credit reporting companies are. They have not verified this information. This erroneous reporting has caused my life to suffer a hardship. This is also a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Also Section 611 ( 5 ) ( A ) of FCRA they required to delete information which can not be verified.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I TRIED CONTACTING THEM BT IT SEEMS LIKE THEY ARE BLOCKING AN UPDATED VERSION OF MY CREDIT REPORT AND SCORE FROM SEVERAL WEBSITES AS WELL AS THEIR OWN SO I CAN SEE UPDATED INFORMATION. IT SEEMS RETALIATORY SINCE I HAVE FILED COMPLAINTS FOR INCOREECT REPORTING IN THE PAST. 

it always says temporary issue and yur report is not available ( For 3 months know )
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (DE)

I opened a card with Jetblue and every month whenever I make a payment, I am charged interest fees over XXXX XXXX XXXX I contacted Jetblue, and they claim they can do nothing as this is how they make their money charging high interest rates of 29.99 % for transactions.
Consumer complaint received 2024-04-18
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 express my deep frustration and dissatisfaction with the repeated failure to correct the late open accounts and remove the public record from my credit report. 

I have provided extensive documentation and evidence supporting the correction of the late open accounts and the removal of the public record, yet they continue to mar my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. XXXX. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a checking account with Capital One 360. When I use " bill pay '' to electronically issue a paper check or electronic transfer, the funds are immediately deducted from my account, unlike when I write a paper check by hand. With paper check that I write by hand, when the check is deposited by the counterparty, the funds are deducted from my account, and I can see an image of the check as well as the counterparty signature -- -- evidence that I have paid, and they have received. In the case of an electronically issued check, Capital One does not notify me when the check is cashed or posted to the counterparty 's account. On the monthly statement, they only record that the funds were withdrawn for my account at the moment when I issued the payment. In this electronic procedure, if the check never reaches the counterparty, and they don't complain, Capital One is the new middleman and keeps the money. If the counterparty cashes the check and complains that they never received it, I have no record of payment. From a financial reporting perspective, this destroys the transparency of the transaction and is an opportunity for fraud. Capital One claims that they void checks after 90 days and credit the money to my account. I have asked them to certify this in writing. For many reasons, a bank should be required to notify its customers when a check is cashed. This protects everyone, including the bank. It should be a regulation if it isn't already.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

I signed up for a Kay Jewelers Credit Card and purchased a near XXXX item with it. I came with an interest free period of a year. I was surprised and shocked to be charged XXXX after the interest free period ended. I am not sure I was fully made aware of this fact clearly.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NH)

XX/XX/2023 I made a XXXX payment to what I thought was a legit company. Turns out it wasn't. Called my ( TD ) bank and they said they'd refund me 5-7 days but they didn't. Called today and they said claim was denied. They should have told me that day 1, instead of lie to me.
Consumer complaint received 2023-04-15
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. (SC)

On XX/XX/2023 I received a copy of my credit report I was shocked to see an account listed by XXXX Acct # XXXX with a balance of over XXXX XXXX dollars. First of all I never consented to my information being used to open this account nor have I ever received any goods or services from this creditor. This is fraud and I want this item investigated immediately. The amounts owed reflect different balances with the credit bureaus which again is a violation of the FCRA and the dates of activity is inaccurate as well.