davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Over the past week my credit card with Capital One has been flagged for fraud and then they put me through XXXX trying to verify who I am and then I tried to XXXX and I could not XXXX because they had issues Capital One dead and then tonight Ill try to make a online deposit and the system is saying they had a snag so I dont know whats going on with Capital One and when I try to file a complaint with a customer service representative they hang up on me so I dont know what their problem is and I am going to close my account and move onto another institution. I thought capital one was good but the way they treat me is absolutely horrifying and I wonder how many other customers they do this too
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested, more than once, that all three major Consumer Reporting companies delete all old mailing address from my consumer report. Neither XXXX, XXXX, or TransUnion have complied and shall do so according to Section 605 ( h ) ( 1 ) of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-20
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

TO : Capital One Re : XXXX cases with the XXXX last numbers below : XXXX, XXXX, XXXX We disputed the following payments on the above cases ( last XXXX digits ) since we hired them one year ago since we were planning to start an online business and they told us that we have to file taxes with all the states in usa and they would do it for us for {$200.00} a month. 
Unfortunately, we never started the business, and they kept charging and I was under the impression that they are reporting our XXXX sales monthly to all the states. 
XXXX weeks ago, I decided to stop this expense and I asked for a cancellation. 
After cancelation, I asked them to please cancel all the states tax numbers nationwide. 
They gave me a {$400.00} price which I decided I can do by my own but when I started calling the list they provided, I found out that they had only applied with a selected few, like XXXX states and thats why I decided to dispute these charges. 
I called many of the states and I managed to close the accounts but when I called the Mass state they told me the taxes were not even filed and I had to first complete those taxes even though XXXX and then close them. I tried online but even the login they gave me did not work. 
They misrepresented their services by giving us the impression that they will need to apply for all states but only did for a few and never informed us. 
Also, I have no idea if these people ever file the taxes for all the other states that I managed to cancel on the phone and did not check the reporting status of those states which may be another upcoming tax problem which we never wanted. 
Please kindly examine the papers I am enclosing for your review. 
Looking forward to your kind reply. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (VA)

This is my first endeavor 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, block 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXBalance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXXBalance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-20
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. (GA)

Fifteen days from the current date, I will be updating my credit reports, and I anticipate the prompt removal of the fraudulent items from my file in accordance with FCRA Section 605b. Credit Reporting Agencies are mandated to eliminate any items listed on an identity theft report, specifically report # XXXX. I urge strict adherence to this legal requirement. My sole objective is the expeditious removal of inaccurate information and inquiries from my credit reports to ensure the precision of my credit records. The items to be removed, categorized by bureau, are as follows : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received an Amex Gift card for XXXX. I have this card loaded in my XXXX account an tried to purchase chairs for {$310.00} on XX/XX/24. This payment was declined despite my balance being {$500.00} on the Amex Gift card, which I verified through their website. XXXX in turn charged my credit card that was a backup on file. Now I have to pay that balance out of my my pocket because this gift card didn't work!
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/26 sent certified letter to Bankruptcy XXXX in XXXX and received no response back. Sent letter to XXXX XXXX XXXX XXXX XXXX XXXX Have fought account multiple times and had it deleted by two bureaus but still shows, Equifax keeps validating but court has not responded to my two inquiries for information or validation
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" Dear XXXX XXXX : Thank you for requesting your XXXX credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully. 
If there are items you believe to be incorrect, you XXXX Initiate an investigation request via the Internet XXXX hours a day, 7 days a week at : https : //www.equifax.com/personal/credit-report-services/credit-dispute/ Please mail the dispute information to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Call us at XXXX Please note, when you provide documents, including a letter, to XXXX as XXXX of your dispute, the documents may be submitted to one or more companies whose information are the subject of your dispute.

You have the right to request and obtain a copy of your credit score. To obtain a copy of your credit score, please call our automated ordering system at : XXXX. '' XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent accounts reported to me. I am requesting that all erroneous names, addresses, and unauthorized inquiries be deleted from my credit report.
Consumer complaint received 2023-12-20
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-20
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. (IL)

As per my previous correspondence, I would like to dispute the following collections accounts on my credit report : XXXX. XXXX XXXX - Account Opened : XXXX - Amount : {$210.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$570.00} XXXX. XXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$860.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$1100.00} XXXXXXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$3100.00} I have thoroughly reviewed my credit history and have found no evidence to suggest that these collections accounts belong to me. Despite my initial dispute, these accounts remain on my credit report, negatively impacting my credit profile. 

I kindly request that you conduct a thorough investigation into these accounts and provide me with a detailed explanation of the findings. It is essential that you verify the validity of these accounts and provide the necessary evidence to support their inclusion on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions be taken : XXXX. Please provide me with a written confirmation of the investigation conducted, including any supporting documents or evidence collected during the process. 

XXXX. If the investigations confirm that these accounts are indeed inaccurate or do not belong to me, I insist that you remove them from my credit report immediately. 

XXXX. I also request that you provide me with an updated and accurate copy of my credit report after the removal of these collections accounts. 

I understand the importance of maintaining accurate and fair credit reporting. It is imperative that
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, 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 2018-07-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I opened up a certificate of deposit XX/XX/XXXX which was a 4 month CD at the interest rate of 4.88 % and stated automatically renewable meaning it just rolls over. I contacted JP Morgan Chase bank regarding this CD and I was told by XXXX from the executive office that CHASE CLOSED MY CD account sent the funds to RETENTION and they can't find my money. XXXX from Chase executive office is handling this and also told me that CHASE CLOSED my account and the last time the CD was listed on my statements was XX/XX/XXXX. The money is NOT IN RETENTION, It's not been forwarded to the State Of Illinois as unclaimed money. They asked me to locate my XX/XX/XXXX-XX/XX/XXXX tax return to see if I filed an amount from a XXXX. Well the XX/XX/XXXX-XX/XX/XXXX tax return on my computer states its a corrupt file. XXXX only goes back to XX/XX/XXXX to get copies. I can vget copies thru the IRS at a cost of {$50.00} per tax return. Mind you CHASE closed my account without authorization and without any notification oif such. I told XXXX to send me XXXX so I can get those tax returns and she's yet to call me back. I want my CD money which was opened with {$10000.00} with all accumilated interest at the rate of 4.88 % from the time I opned the CD till the day I recieve the accumilated interest. This is CRIMINAL FRAUD AND THEFT. I included a copy of the certificate of deposit and the reciept for opening up such
Consumer complaint received 2023-12-20
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)

Per the FCRA As a federally protected consumer, I am now opting out or any and all authorization I the consumer may have given XXXX XXXX XXXX written, unwritten, verbal, and non verbal per 15 USC 6802 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. 

effective immediately and indefinitely
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to seek your assistance regarding a significant issue with my TransUnion credit report. I have identified a fraudulent account listed under " XXXX XXXX XXXXXXXX XXXX '' with account number XXXX, showing a balance of {$150.00}. To address this, I filed a dispute through USPS First Class Certified Mail ( Tracking Number : XXXX ), which was received by TransUnion on XX/XX/2023, as confirmed by the tracking information. 

However, it has been over 100 days since the delivery of my dispute letter, and I have yet to receive any communication regarding the initiation of an investigation or its outcome. This lack of response and action by TransUnion is, I believe, a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this fraudulent account on my credit report is damaging to my financial reputation and creditworthiness. Therefore, I urgently request your help in ensuring that TransUnion addresses my dispute seriously and conducts a proper investigation. It is imperative that this fraudulent account is removed from my credit report in compliance with the FCRA. 

I appreciate your prompt attention to this matter and your assistance in resolving this issue. Please inform me of any steps you are taking or require from me to expedite this process. 

Thank you for your support in upholding my rights as a consumer.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2023-12-20
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX 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 2024-01-05
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. (WI)

I called the childs support agency and they said they do not report to the credit bureaus. They are improperly using my credit report. Childs support is not a line of credit. They placed it on my credit report XX/XX/2023.