davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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. (AZ)

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 XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2023-09-21
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. (NV)

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-21
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a natural person and was just looking over my credit report and found some addresses that appear to be incorrect and misleading. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit and purchasing a home for my family. 


Addresses : XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX These addresses have been reporting on my consumer credit profile from 3 CRAs for some time now and this information is inaccurate
Consumer complaint received 2018-05-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNTRUST BANKS, INC. (FL)

XX/XX/XXXX, SunTrust Bank send me copy of application that look like a forgery signature. A copy of application is hearsay. Hearsay are not allowed to use in court room. I will like to set a day for us to meet in person in XXXX, Florida on any day of the month of XX/XX/XXXX. I want to have expert handwriting to look at the original application with wet ink signature that you claim is mine. If you do not pick a date to meet in XX/XX/XXXX, I  will assume that SunTrust Bank is trying to collect money from me by using a forgery signature.
Consumer complaint received 2024-04-06
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)

I informed XXXXXXXX XXXX XXXX THAT I AM A VICTIM OF IDENTITY THEFT!!! and they responded by saying that this account is verified, this is impossible, I am the only one who can verify any account on my credit report!!! This account is an unauthorized account, its a product of my identity being stolen.
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by a man XXXX ( the XXXX ), XXXX was transferred from my account via cashier checks in the total amount of XXXX USD
Consumer complaint received 2023-09-21
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. (MA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MO)

On or about XX/XX/2023, TD Bank reported to credit bureaus a payment on my Target Red Card was over 30-days past due. It was 31 days past due. The payment amount was {$160.00} and I paid that amount on XX/XX/2023. The late payment report caused my credit score to go down over 50 points three credit bureaus : XXXX, XXXX, and XXXX. 

The same day, I contacted Target Card and explained I had not gotten a statement of my account or any notice that payment was late. I actually had not received an account statement from TD Bank/Target in several months at that point. I did not receive a notice that payment was late until after Target made the negative late pay report to credit agencies and after I contacted them. The letter was dated before XX/XX/, date of late pay report to credit bureaus, but not mailed until after that date. By then, my credit had already been damaged. 

When I spoke with Target customer service, they said I could request a review in writing, which I did. I found the law that says they are not supposed to make late payment reports until after they have sent the consumer an account statement. Target said they had reviewed the matter and determined the late pay report was correct. 

I forgot to make the payment because I didnt receive a statement or late payment notice. I would like Target to remove the late payment report they made to the credit bureaus. The dip in my credit score causes irreparable harm each day. It is the only late payment I have had on my credit report in many years.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-09-21
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (VA)

This loan was for approximately {$70.00}. I purchased a product off of XXXX, and they offered the option to pay in 3 installments through Affirm. 
When the first payment was due, I tried to do an electronic withdraw from my checking account. Mind you, this is the same checking account that I use for all purchases ( including XXXX ) I was attempting to just pay off the full amount. I received an email from them indicating that the payment failed- I verified and tried this several times- each time the payment failed. 
I then tried to do a payment from my savings account- same result- payment failed- There are ample funds in both of these accounts, and I called the bank, they confimed that Affirm has never tried to any withdraw for payment from either my checking or savings account, and that there is no reason for payment failure. ie : I provided the correct account number, routing number and there are enough funds to cover the amount. 
Having spent way too much time on the phone with their customer service, I decided to do it the old fashioned way, and write them a check and mail it. I wrote and mailed check # XXXX in the full amount due of {$69.00} on XX/XX/24. They deposited the check on XX/XX/24, and it cleared my bank on XX/XX/24. They continue say I have not paid this, and when I call customer service they are of no help. 
I have an excellent credit score, and I will be livid if this ruins that. I do not know if they are a scam, extremely disorganized or just clueless, but they have been paid their money. I would be happy to provide them with a copy of the cancelled check- but all they say when I call their Customer Service- is that they do not have my payment and to call back in 10 days. They should be able to see how many times I have called to get this straight- if I didn't intend to pay this, why would I continue to contact them trying to get this resolved? My time and energy wasted on this matter is worth 10 times the {$70.00}. Please help me
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (PA)

beginning in XX/XX/XXXX and ending in XX/XX/XXXX, M & T bank cashed more than 20 checks over {$5000.00} each without my signature and has refused to give us the money back -- despite the fact that the person they gave the money to has been apprehended and he never even claimed that I signed the checks M & T bank wrongly cashed nor did he claim that i owed him money or even knew him. Investigation and bank officials agree that a confederate of his stole blank checks from me. when i answered yes to the question of whether the bank had given me copies of the illegally signed checks that was only partly right ( you only gave me the options of yes or no-not " partly '' which would have been the correct answer )
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2023, I AM STATUTORY DURABLE POWER OF ATTORNEY ON BEHALF OF MY SON XXXX XXXX. I RECEIVED THE DEBIT CARD ( 2 WEEKS IT TOOK ), ACTIVATED IT AND THE CHIP IS DEFECTIVE, IT WILL NOT WORK. THE BANKERS AT THE LOCATION ON XXXX IN XXXX SHARED THAT I WOULD BE RECEIVING MY OWN DEBIT CARD AS SDPOA BUT THE ONLY ONE I RECEIVED IS UNDER XXXX XXXX 'S NAME. I HAD TO CALL CAPITAL ONE TWICE, THE 1ST TIME I WAS TOLD IT LOOKS LIKE THE CARD IS WORKING, AND I TRIED AGAIN MULTIPLE TIMES AND IT IS NOT WORKING. IT WILL NOT READ, THE CHIP DOES NOT WORK. SO I CALLED AGAIN, SPOKE WITH XXXX WHO SAID " MAAM I CAN NOT ORDER ANOTHER CARD FOR YOU I NEED TO SPEAK WITH THE ACCOUNT HOLDER, '' WELL, I QUICKLY ENDED THE CONVERSATION RIGHT THERE. I AM XXXX 'S SDPOA BECAUSE HE CAN NOT TALK. XXXX SUFFERED A XXXX XXXX XXXX AND I AM HIS MOM, TRYING TO CONDUCT HIS BUSINESS BY YEAR END, AND SO FAR CAPITAL ONE PUT A HOLD ON XXXX 'S BACK PAY THAT WAS NOT ABLE TO BE DEPOSITED UNTIL THIS WEEK AND THERE IS MORE COMING. THE DEBIT CARD DOESN [ 'T WORK AND EVERY TIME I CALL THIS BANK I AM ACCUSED OF BEING A CRIMINAL. I SAT IN THE CAR AND SOBBED, BECAUSE PEOPLE HAVE FORGOTTEN HOW TO TREAT EACH OTHER. THIS IS THE ABSOLUTE WORST BANK I HAVE EVER DEALT WITH. SO GOOD LUCK TRYING TO TALK TO XXXX, BECAUSE I AM HIS MOTHER AND I CAN'T EVEN TALK TO HIM. HE IS ENTITLED TO HIS PAY, TO BUY A HOSPITAL BED, A WHEELCHAIR, AND XXXX PRESENTS FOR HIS XXXX YEAR OLD SON WHO BASICALLY LOST HIS FATHER ON XX/XX/2023. I PRAY THAT EVERY PERSON WHO READS THIS FEELS THIS, AND STOPS TO REALIZE THAT BEING SO CRUEL COULD TRULY PUSH A PERSON OVER THE EDGE ESPECIALLY WHEN YOU ACCUSE A XXXX YEAR OLD WIDOW, WHO IS TRYING TO TAKE CARE OF A SEVERELY INJURED XXXX YEAR OLD SON, WHO WAS A ; PEDESTRIAN AND GOT XXXX XXXX BY A CAR WHO NEVER STOPPED, AND HE LAID IN THE MIDDLE OF XXXX XXXX IN XXXX TX UNTIL SOMEONE CALLED XXXX, AND IN THAT TIME, HE DIED AND SUFFERED AN XXXX XXXX XXXX, AND HE IS LEARNING HOW TO SWALLOW, TALK, AND HE IS XXXX. XXXX XXXX CAPITAL ONE.. THEY ARE GREEDY MEAN PEOPLE AND IT SHOWS BECAUSE XXXX ALWAYS FLOWS DOWNHILL FROM UPPER MANAGEMENT, THEY SHOULD GIVE LESSONS ON CRUELTY TO HUMAN BEINGS, AND HOW TO INSULT THEM BY ACCUSING THEM OF BEING A CRIMINAL SO THEY CAN KEEP A XXXX PERSONS MONEY FOR AWHILE TO ACCUMULATE INTEREST. AND DEMAND TO SPEAK TO THE ACCOUNT HOLDER WHO CAN NOT TALK. UNCONSCIONABLE.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX  and before XXXX XXXX XXXX local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (TX)

inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized individual gains access to my personal information, such as Social Security number and driver license, and uses it to open fraudulent accounts and also make unauthorized purchases., my credit report show unfamiliar credit inquiries, accounts, or outstanding debts that i did not initiate. list of unauthorized account i did not initiate are give any permission XXXX XXXX XXXX ORIGINAL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (TN)

I am a victim of identity theft and I filed the correct paperwork per the FCRA. I have disputed these accounts. Nothing has been done and the paperwork I filed and sent in to the credit agencies have not been attached to the disputes. I also have not been given copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
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. (FL)

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 2023-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023, Experian, XXXX, and XXXX have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening.

According to 15 U.S. Code 1681i, it is clearly stated that Experian, XXXX, and XXXX are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report.
Consumer complaint received 2023-04-09
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. (SC)

XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-07
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. (FL)

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 accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$7800.00}