davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
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. (CA)

Hello-I would to submit a formal complaint with TransUnion, the consumer credit reporting agency. Due to recent identity theft, I have an account with TransUnion and my credit report was on 'freeze ' with them. I came to learn that someone ( fraudster ) hacked into my account and lifted my credit freeze on two occasions ; XX/XX/2023 and XX/XX/2023. According to TransUnion, a person logged into my online account and lifted the credit freeze ( twice ) but that was the only information they provided me. I don't understand how someone can just hack into an online account without TransUnion password nor my e-mail password. ( When you log into TransUnion, there is a 2 step verification/ authentication where a XXXX  digit numeric code is sent to your e-mail from TransUnion , but I didn't receive these codes on both occasions ; XX/XX/2023 and XX/XX/2023. ) I'm think this can be an inside job? I still want answers around who hacked into my account and how they can prevent this going forward. When you call in, the TransUnion representatives always asks me and other consumers their Social Security No. 's ( full XXXX digits ) and other personal information when you try to resolve issues with them. This is a big concern as I have experienced a security breach and the fraudster tried to open numerous credit cards ( XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX ) during this time period. 

I had a very similar experience with XXXX, where they told me that someone ( fraudster ) called in and lifted my 'credit freeze '. How can this be possibly done? XXXX did provide me with a confirmation no. XXXX. 

This is a serious matter. The companies and letting fraudsters unfreeze credit reports. I am not sleeping well, and restless thinking that someone can hack into my account anytime and unfreeze my credit report. Please help me, thank you!
Consumer complaint received 2019-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX   reporting on XXXX, TRANSUNION AND XXXX credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time.

The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.
Consumer complaint received 2024-04-22
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2023-08-07
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. (NV)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported.

Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXXXXXXdismissed Reference number : XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy.
Consumer complaint received 2024-04-22
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. (NC)

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-22
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-22
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-22
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)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Why is it that, despite my diligent efforts to bring these inaccuracies to your attention, your bureau continues to report the same late payments, casting a shadow over my creditworthiness? I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am left questioning the sincerity of your commitment to aiding consumers in maintaining accurate credit profiles. The fact that the inaccurate late payments persist suggests either a monumental failure in your investigative processes or a deliberate negligence that borders on betrayal. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter, along with a detailed explanation of the steps your bureau is taking to rectify these inaccuracies. It is inconceivable to me that a credit reporting agency of your stature can not fulfill its fundamental duty of ensuring the accuracy of the information it disseminates. I insist that you act promptly to remove the inaccuracies from my credit report and provide me with a written confirmation of the corrections made.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Urgent Follow-up on CFPB Case # XXXX - Experian 's Failure to Resolve Disputed Address Dear Consumer Financial Protection Bureau , I am writing to bring to your attention a pressing matter regarding my ongoing dispute with Experian, as documented in CFPB Case # XXXX, which was opened on XX/XX/XXXX XXXX XXXX Despite the passing of the 30-day timeframe since Experian 's response, the erroneous address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX remains on my credit report, and I have not received an update from Experian as promised. 

As previously communicated, I have disputed this inaccurate address on three separate occasions, providing supporting documentation in the form of my driver 's license and utility bill, clearly indicating my accurate address as XXXX XXXX XXXX, XXXX, CA XXXX. The continued presence of this incorrect address on my credit report is not only a violation of the Fair Credit Reporting Act ( FCRA ), but it has also created significant challenges for me, including potential exposure to fraud. 

Experian 's response to the CFPB case acknowledged the dispute and assured me that the concerns were being transferred to their dispute center for reinvestigation as of XX/XX/XXXX. However, the 30-day period for providing results has lapsed as of today, XX/XX/XXXX, and there has been no communication or resolution from Experian. 

I request the Consumer Financial Protection Bureau 's urgent intervention to ensure Experian complies with the FCRA by promptly rectifying this error and removing this address from my report. The inaccuracies on my credit report are adversely affecting my financial standing and, potentially, my susceptibility to fraudulent activities. 

I am not seeking another round of investigation ; rather, I urge the CFPB to enforce the necessary actions to compel Experian to remove the inaccurate address immediately. The persistence of this issue beyond the stipulated timeframe is unacceptable and demands swift resolution.
Consumer complaint received 2023-08-31
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. (NV)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

I received a store credit card from Jared the Jeweler with a huge limit which i used to purchase some jewelry, and I had 18 months to pay it off without interest. I thought that the amount I was asked to pay every month would pay the card off by the time the 18 months was up. I even paid more every month than the minimum due. For some reason I stopped receiving statements in the mail the last few months. But I'm used to paying online every month, so I never even notice that I wasn't receiving any statements in the mail. If I saw the statement in the mail, I would check to see the information and the notice that my 18 months was coming up. In my head because I wasn't receiving the statement and thinking that the money, I was paying every month would pay off the card by time the 18 months was up I wasn't worried. I paid all my bills onetime and if I knew that the 18 months expired XX/XX/, I would have paid the card in full. I had no idea, and I never got any notification via statements or email that if I didn't pay off the card by XXXX XXXX XXXX, I would be charge {$3000.00} in interest. On top of that I'm paying 36 % in interest every month. I think that's unfair for a person who has excellent credit and never missed a payment with Jared for the time I've been with them. I could have paid off the balance long time ago, but I said why rush if I'm not paying any interest ; I would just keep paying the balance due every month and a little more if I can. I was down to approximately {$4500.00} and now I owe almost {$8000.00}. I visited my account yesterday XX/XX/ and I notice that now my account change from paper statement to online statement and I never made that change. I would never do that because I prefer paper statements. All my other bills are paper statements. I think this is a big scam by Jared and their goal is to actually lock you into debt and high interest and not actually to help you because with this extra {$3000.00} plus how much interest. In the long run as of today I would end up overpaying for the item that I purchase, plus 36 % in interest rate for someone who's credit score is almost at XXXX and never missed a payment for over 15 years is ridiculous.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I filed a claim to bank of america for unauthorized charges dated back 4 months. The customer representive start from XXXX and was working her way back to XXXX. For over {$5000.00} purchases. I wanted to put XXXX claim in but she put XXXX for XXXX months and said that the system was not letting her put XXXX claim in. She also said that I had a year to put the rest of the claim in. When I did they denied my claim. Anybody could see that over {$5000.00} worth of game purchases was not normal. When I called to see why my claimed was denied they said it didn't match the previous claims. I told the representative to put a claim for game purchases. She did that and also included card purchases that I didn't want to report fraud for.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-22
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'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 2023-12-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Concord Servicing Corporation (CA)

In XX/XX/XXXX, Need-a-tech HVAC ( XXXX ) installed an air conditioning unit on my home, financed by Finance of XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX XXXX. The principal balance was {$11000.00}, which included special financing of no interest for 18 months. I received a letter from Concord in XXXX that mentioned they were now servicing the account and that the special financing would expire by XX/XX/XXXX. I then contacted Concord 's customer service department for the first time and explained that I had a financial hardship and had not received a paycheck in XXXX months. I was willing to pay the principal balance of {$11000.00} if they could extend the special financing or waive the deferred interest because I would have to withdraw the money from my retirement account. I was given an email to their resolution department and was told to explain my financial hardship and include my most recent pay stub. I provided everything that was requested on XX/XX/XXXX and emailed it to XXXX. The following day ( XX/XX/XXXX ), I received a response from the Concord XXXX department saying that their " client '' was not granting my request. I called Concord and asked for the name of the " client/investor '' so that I may escalate my request, and I was told that they did not have access to that information. I called XXXX XXXX XXXX and spoke to a representative named XXXX, who confirmed that the loan had already been sold to another investor but was also unable to tell me who. At this point, I am willing to pay the principal balance of {$11000.00}, except that Concord removes the present accrued interest and any possible negative remarks on my credit report.
Consumer complaint received 2024-07-25
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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
Consumer complaint received 2023-12-22
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. (VA)

Upon review of my consumer report with XXXX and TransUnion, I noticed several hard inquiries that pertained to accounts that are not active/opened as well as promotional inquiries and account review inquiries that I didn't initiate nor did I give written permission to the consumer reporting agencies to procure my consumer reports to any of these third parties. Pursuant to 15 U.S.C. 1681 b.- permissible purposes of consumer reports, this constitutes a violation. I'm requesting XXXX and TransUnion to remove these inquiries from my consumer report and to compensate me {$1000.00} per inquiry per 15 U.S.C. 1681n a ( 1 ) ( A ) - civil liability for willful non compliance. Below are the third parties listed and the number of times each creditor obtained a report. I have also attached the report for your reference and my proof of claim. 

XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX/2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX2023- XXXX XXXX2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX/2022- XXXX XXXX XXXX Total XXXX XXXX inquiries TransUnion XXXX XXXX2023- XXXX XXXX XXXX2022- XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX2023, XXXX2023 XXXX XXXX2023XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX/2023, XXXX/2023, XXXX2023, XXXX2023 XXXX XXXX/2023XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX2023, XXXX/2023, XXXX2023, XXXX2023 XXXX XXXX/2023XXXX XXXX XXXX XXXX2023- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX2023- XXXX XXXXXXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX XXXX2023, XXXX2023, XXXX2022 XXXX XXXX XXXX XXXX XXXX XXXX2023XXXX XXXX/2022 XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX/2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX/2023XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022- XXXX XXXX XXXX XXXX XXXX XXXX2022, XXXX2022 XXXX Total XXXX XXXX Inquiries