davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my fourth 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 : {$1700.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2008.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im 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 u.s.c 1681 Account name XXXX Account # XXXX Account name XXXXXXXX XXXX XXXXXXXX account # XXXX Account name XXXX XXXX XXXXXXXX Account name XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX Account # XXXX Account name XXXX & XXXX XXXX Account # XXXX Account XXXX XXXX XXXX account # XXXX Account name XXXX XXXXXXXX Account XXXX XXXX Account name XXXXXXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.C.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 antedated 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 to believe that the information is inaccurate
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I disputed a report in XXXX XXXX  that XXXX, XXXX, and XXXX said that we had 2 accounts with Bank of America and that one of them had an overdue balance amount of {$6800.00} dollars. I received a letter from XXXX that said that they had " verified that this item belongs to you. '' Both of these accounts have been " closed by credit grantor ''. 
I have never had a credit card with Bank of America. I did try to contact Bank of America Fraud Department but their automated system wants your account number to get started. Since I don't have an account I can not give them a number. I also called the number for Bank of America in XXXX XXXX, Texas that XXXX provided in their report on XX/XX/XXXX and I get the same automated system that wants an account number to get started. 
I keep getting phone calls from Bank of America saying I need to pay them. 
This experience has greatly lowered my credit score.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my 2nd 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 items 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 or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} XXXX XXXX  XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I went to Apply XXXX XXXX XXXX in XXXX of Minnesota XXXX XXXXXXXX XXXX XXXX, MN XXXX phone number XXXX Date XX/XX/2023 I went in with a pre approval letter from XXXX XXXX told sales rep I only wish to work with XXXX  XXXX approval I have and do not wish to give consent to work with any other lenders, sales rep agreed, took my information moments later ran 5 hard inquires without my permission sales rep name is XXXX XXXX, Lied to my face this is against the law I did not agree to this and wish to continue forth with a law suite as my score dropped points to purse damages against my name. at this time I am now not able to purse any car as I will not get the APR from my credit as this company took that chance from me. 


n accordance with the Fair Credit Reporting act the inquires listed were not authorized by me and, has violated my rights. 
XXXX XXXX ( XXXX  ) XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, also must prove validation of agreement listed by party.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NC)

All my XXXX benefit funds go to the Comerica bank card issued by Direct Express. I lost my card and requested a new card on XX/XX/XXXX. They claim DE issued a replacement card on XX/XX/XXXX, which should have arrived no later that XXXX calendar days from XXXX XXXX. It is XX/XX/2023 and I do not have a card, so I have no money at all. 

I called on XXXX XXXX and asked for help transferring money from Comerica to my local bank, where I recently opened a checking account. I tried using their phone system, but I found it very difficult to navigate to get money transferred. It says on their web site it is easy to transfer funds. I would counter that is almost impossible to do any kind of transaction other than checking your balance with Direct Express by phone or online.

Since Social Security 's website directed me to Direct Express, I was expecting a competent and honest company. That is not what my experience has been. I will be cutting off my use of their services, but I think with all the class action lawsuits against Comerica and Direct Express, it is high time CFPB intervenes and at least warns folks without a credit union or bank account to find another method of receiving funds from federal agencies, especially the XXXX
Consumer complaint received 2023-03-09
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. (NC)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$32000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX Balance : {$0.00} This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of    XXXX   2014   ,    XXXX   2014    90 days past due as of    XXXX   2014    60 days past due as of  XXXX   2014 ,   XXXX    2014  30 days past due as of  XXXX   2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello my name is XXXX XXXX and I hope all is well with whomever is reading this.This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports 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 instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name Self Lender/ Lead Bank Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, 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 not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand  all the above fraudulent accounts DELETED immediately
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that 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 not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My debit card was stolen and my bank account was completely drained down to 50 cents. I contacted my bank for help because that is what they are suppose to do and I filed a dispute, After being promised a temporary credit to my account with in two business days I called back because I received nothing then I was told I would get it for sure in 10 business days and definitely before XXXX. Then I get a update that my claim was denied for no reason and I wont be getting a credit to my account as promised, this is a fraud claim and my money was stolen from me this is not right.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-07-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (WI)

Debt Collection company Americollec t Inc  Loan agency in  XXXX , Wisconsin Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , WI  XXXX  On Monday   XXXX /17    at   XXXX   XXXX   the Company called Americollect Inc. and left a voice message on the Federal Bankruptcy Courts office line. They only identified themselves as a debt collection company with no other identifying information. This company called the previous Thursday    XXXX  /17    at  XXXX  in which I informed them to remove the number from their list. On Thursday    XXXX  /17    I was informed they would remove it and not contact the  Federal  Bankruptcy  Court  again but they did not obviously. I once again have told them to remove the  Court 's  Number but also informed them I would be filing a complaint.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts attached are closed paid in full with a XXXX XXXX balance. XXXX Trans union and XXXX are reporting to XXXX XXXX along with other agencies that these accounts are closed and current. 
Fico and XXXX  score service can not report an accurate score because the said above accounts are not being reported as paid. All attached account have a XXXX XXXX balance and are paid.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

Lock account without prior notice and lying to customer!!! 

Following up with previous complaints. 

The bank replied and said on XX/XX/XXXX they will close my account and transfer my money, but didn't receive my call backs on XX/XX/XXXX and XX/XX/XXXX so they can not proceed. However, this is not the truth. 

The bank is lying. I did receive emails regarding calling back to the bank, and I called back. 
On XX/XX/XXXX, someone claimed to be a supervisor refused to close my account and denied the fact that I have requested to change my address in my previous calls. However, on XX/XX/XXXX, I have requested to send XXXX to my new address. I told her I reached an agreement with the bank to close my account on XX/XX/XXXX, and I even agreed to the verbal statements of closing account. But she still rejected the facts. 

XX/XX/XXXX, I called again, a XXXX in fraud department answered my call. XXXX refused to tell me anything regarding my account ( including when will the XXXX be sent out ) and also rejected to look into my issue. I made zero progress in this call too. 

The bank is not resolving my issue as they said!!! I did call back but none of the people answered the phone proceeded to close my account, which is in the contrary to their replies. They are lying. I've attached my records of calling the bank on XX/XX/XXXX and XX/XX/XXXX. 

I'm asking for a {$1000.00} compensation for the total XXXX hours I'm wasting on phone calls, my financial loss, and my mental suffering during the previous two months dealing with this bank.
Consumer complaint received 2023-02-18
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. (MI)

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

I haven't given these accounts written permission to furnish these accounts on my credit report.

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX applied for a new auto loan after her vehicle was totaled in a car accident in which the other party is at fault. The credit union sent her a denial letter stating that she had poor performance with them when in fact she had made every payment on time on her vehicle until her vechicle was totaled and the insurance company and XXXX insurance did not cover the remaining costs of her vehicle. 
The credit Union falsely reported that she had a garnishment or judgement which is also false. She has no judgements against her. The credit union used information against her they received on a non member, using that non member 's information without his consent. There was a judgement but that was against a man who is not a member of this credit union and thus his information was compromised by this credit union to harm him as well as XXXX XXXX XXXX XXXX contacted the credit union and the credit union refused to act so here we are.