davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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)

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

First of all, I wouldnt need to file a complaint on here if you could just answer your phones. I tried calling on two separate occasions each time it tells me that my whole time is more than 20 minutes OK I dont have 2030 minutes to just sit around on hold maybe capital one does but Im busy, and now youre taking up more of my time. This is terrible customer service. 

If you look at this account, I have a balance of {$29.00}. If you go back I have made numerous purchases from a company called XXXX. They were supposed to come out and do work for me but they never showed up. This went on and they just kept billing me over and over and over again I eventually came to the bank and asked for help, whenever you sent the dispute to the company, they immediately refunded every transaction except for this one transaction your guess is as good as mine as to why they left this one transaction out. When I noticed that I called you and I said whats going on and the woman I spoke with apologized and shes like Ill resubmit it and Im sure itll be fine. But guess what the {$29.00} is back and you want me to pay it you have not given me any information as to why this one transaction would not have been disputed or why its showing up on my bank account but the company never came to do any of the work They closed my account whenever I disputed the transaction Why do I still owe {$29.00} why are you not disputing it and if youve exhausted all of your efforts which I havent seen any evidence of, but if you have the baby its time for the bank to cough up {$29.00} and not make the consumer Have to pay for something they didnt get your supposed to be there to protect the consumer. I have good credit I pay my bills I dont have any issues I did my part I reported it I did everything you asked me why are you not doing your part now
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

XXXX date is Wednesday, XXXX XXXX, 2022 -In the past days, Ive received emails from Discover, of which Ive been a long time card holder, in excellent standing, with a large credit limit, of which I now have a very low balance. 
-The emails are demanding I sign an XXXX  verification form XXXX, as to give Discover full access to my XXXX  transcripts. If I do not, they will close my account, of which will bring down my credit score as to the long term excellent history I have with them.

-Thinking this a scam, I called Discover to learn it was actually true. 
-Discover claims this verification info will be acquired by a XXXX party, that being XXXX XXXX 
-Upon receiving numerous emails from XXXX XXXX I called XXXX XXXX this @ XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX XXXX me that XXXX XXXX NOT communicate via email, but only by post office mail. 
XXXX XXXX me that this was a scam for their company does not do XXXX party verification such as this. He then went to his superior to confirm, of which the supervisor said the same. This all occurred this day, XX/XX/XXXX, to the above phone number at XXXX XXXX  central time. 
-I was told by XXXX XXXX call Discover and relay the information I was told, and to direct Discover to call the XXXX XXXX line at XXXX XXXX XXXX XXXX. 
- I first called Discover consumer service where I was told a supervisor would call in the next 3 business days. 
-I then called Discover XXXX at XXXX XXXX XXXX XXXX. I spoke with XXXX. Upon telling him the full story, he agreed to open an investigation and I would here from him in the next 4 weeks. He also gave me another number to reach him : XXXX XXXX XXXX XXXX. He said this was not a scam and was quite real. 

* I do not see it as normal business practice to ask my release to my XXXX  account. I did offer to XXXX a copy of this years tax return, redacted, to prove income. 
* I do not know why I am being targeted with a perfect record. 
* Should they close my account, my credit will be drastically affected due to the length of this good standing account.
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ME)

My credit score has inexplicably taken a XXXX point dive. I have made inquiries at all three credit reporting agencies, and every possible credit score reporting agency : no one can explain why my score is being reported as having lost XXXX points. I do not have any accounts that are delinquent, my credit usage is at 17 %, I have $ XXXX available credit, I have not taken out any loans, the age of my credit report is average, there is literally NOTHING that has occurred in my financial life that should be causing my score to be reported like this. I received a fraud alert saying that my email address was compromised and that various personal information was appearing on the dark web, but I do not have access to the dark web to see what may be going on, and the alert is vague. Can someone please help me figure out what is going on here? There is not anything appearing on any of my credit reports that I can dispute to correct this issue, there have been no major changes to my credit reports that would have caused this XXXX point crash. The only reason a credit score would take such a steep dive, I have been advised by various credit services, is if someone filed for bankruptcy. I have not done this. Please help. I am a single parent who has worked SO hard to improve my credit score over the last 10 years so I can qualify for a mortgage and buy a house for my kid.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a Bank of America Unlimited Cash Rewards Signature card. The card had a XXXX XXXX introductory rate. It was disclosed that starting XX/XX/XXXX, the interest would start on the card. I specifically opened this card as I had large expenses and needed the 0 % interest rate to allow time to pay the card off. I had to make large payments to this card which put a financial strain on me because I knew that in XXXX of XXXX I would start paying interest on the card if it was not paid off. I was able to get my balance down from {$14000.00} to approximately {$6000.00}. I was still stressed as to paying this card off. I get a letter in the mail from Bank of America on XX/XX/XXXX stating my 0 % interest has been extended out to XX/XX/XXXX. This notice only came a month prior to the original information of XX/XX/XXXX. Had I been given this information in a timely manner, I could have budgeted and paid this card in a way that would have not caused stress and hindered my finances. This notice should have been given when first receiving the card as the notice states " They apologize for sending my card late and it impacted my account terms ''. These terms needed to be disclosed when the late card was received, which was last year.
Consumer complaint received 2023-09-01
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. (NV)

There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXXXXXX XXXX violating my right per fcra please delete off my credit report attach is the court order
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (TX)

Experian is not removing accounts items that was open in XXXX & XXXX due to fraud. Some account was open over 7 years ago. Experian is stating from the last payment activity on my that's when the accounts will be removed. That is not Federal Law. Federal Law says account should be removed from the 7 years of account opening. And these accounts listed in the FTC report that was submitted to all 3 of the Credit Reporting Agencies..
Consumer complaint received 2023-12-26
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX The following personal information is incorrect. Please remove it from 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
Consumer complaint received 2023-09-01
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. (NV)

There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXXXXXX is violating my right per fcra please delete off my credit report attach is the court order
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have no knowledge of the following items listed on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please delete these items immediately. These accounts shouldn't be furnished on my consumer report as they are in violation. Under 15 U.S Code 1681b - permissible purposes of consumer reports ( A ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately as I am a victim of identity theft.
Consumer complaint received 2023-09-01
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. (NV)

There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXXXXXX is violating my right per fcra please delete off my credit report attach is the court order
Consumer complaint received 2023-12-26
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. (MN)

It has recently come to my attention XXXX XXXX is illegally reporting a charge off on all XXXX of my consumer reports. This is a direct violation of the law since I have not granted XXXX  written consent to report this account on my consumer report. I'd also like to note charge offs are considered ordinary income in accordance with XXXX XXXX policy and income is not permitted for any reason to be reported on the consumer report. I hereby opt out of XXXX XXXX reporting this account in accordance with the privacy act of 1974 and demand they remove the account immediately in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

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 this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-04-23
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. (NJ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-12-26
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)

2 accoutns popped up on my transunion, they are the result of identity theft, transunion has not blocked them. 

XXXX XXXX ( I have never heard of this company ) I have submitted complaints her for them, but the CFPB is never able to resolve it because they can not get into contact with them, and has even sent it to the FTC for investigation. 

the other is XXXXXXXX XXXX, which is for a XXXX  XXXX card I haven't had, I have had ONE XXXX XXXXXXXX card which was paid off in 2018, I never got another one after that. 

I have provided all the required documention the FCRA requires, and it has yet to be blocked.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

Account number XXXX in the amount of {$1500.00} I mailed a certified debt validation letter to California Business Bureau on XX/XX/XXXX that was written on XX/XX/XXXX regarding a debt that was reported on my credit report. The company has failed to validate that this debt is in fact mine. Please review the attached documentation.
Consumer complaint received 2023-12-26
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 engaged in a private consumer credit transaction with XXXX XXXX XXXX, and they never provided me with an adequate notice and form of my right to privacy and right to opt-out of their disclosure, sharing and reporting of my private personal information as they're required to do per 16 CFR 313.7 and 15 USC 6802. As a result of their irresponsible actions, they've reported adverse and defamatory information in my consumer reports and enabled a separate third-party debt collector ( XXXX XXXX XXXX ) to also report this adverse information on my consumer reports, further defaming my character, creditworthiness and reputation. This is not only and infringement on my right to privacy, but this has caused me double harm, as they've both continued to report the same adverse account jointly under two separate account numbers.
Consumer complaint received 2024-04-23
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. (CA)

Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

XXXX XXXX, XXXX. 
Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured LOC Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-04-23
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 checked my crediit report and there is information that i dont reconized. THERE IS A HARD INQUIRIES BY THE NAME : XXXX XXXX XXXX that i dont reconized p Please Delate that information from my credit report. Thank you!!
Consumer complaint received 2023-12-26
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. (AZ)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-08-16
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX