davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (FL)

Kindly remove this account from my records as it does not belong to me. I am distressed that it has appeared on my credit report, and I urge the business to rectify this promptly. I am disappointed by the inconvenience caused.
Consumer complaint received 2024-02-05
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. (TX)

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 2024-02-06
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. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-05
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. (MS)

i have requested inaccurate information to be deleted from my credit report and all 3 bureaus comes back verified without doing a reasonable re-investigation per 15 usc 1681i6b3 and i have attached documents below for your reference.
Consumer complaint received 2024-02-05
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. (CA)

The creditors and credit bureaus are causing financial hardship due to improper use of my credit report. Per the FCRA, as a federally protected consumer. I am contacting you for the violation of 15 U.S. Code & 1666B - may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also under 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also according to 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In conjunction with 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services of any collection agencies. Also, Reporting Transaction history is also illegal according to 15 U.S. Code 1681a. All data must be furnished correctly. To enforce my rights, I request Under 15 U.S. Code 6805 Enforce.
Consumer complaint received 2020-06-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I AM CURRENTLY IN FORECLOSURE WITH " XXXX  '' WHO IS A COLLECTION AGENCY AND PER THE FDCPA, " A COLLECTION AGENCY CAN ONLY COLLECT ON A DEBT AND CAN NOT SUE IN THE COURT OF LAW FOR A DEBT THEY DO NOT RIGHTFULLY OWN ''. BECAUSE OF THIS I FILED CHAPTER XXXX ON XX/XX/XXXX. XXXX  AND THEIR ATTORNEY KEPT TRYING TO SALE MY HOME WHILE UNDER BANKRUPTCY PROTECTIONS AMONGST OTHER FDCPA VIOLATIONS TO THE HOMEOWNER! 

MY COMPLAINT IS THAT XXXX XXXX XXXX IS FRAUDLENTLY ACTING AS A " MORTGAGE SERVICER '' HOWEVER THEY ARE REGISTERED IN THE DEPT OF STATE OF UTAH AS A " COLLECTION AGENCY ''. A COLLECTION AGENCY CAN NOT SUE ME IN COURT BECAUSE THEY DO NOT OWN THE DEBT. I HAVE ASKED XXXX  TO PROVIDE VERIFICATION OF DEBT, TRANSFER OF DEED AND NOTE TO NEW LENDER, WITH ALL THE FILES THAT CAME ALONG WITH THE TRANSFER OF MY MORTGAGE ACCOUNT IN XXXX. THEY HAVE NEVER PROVIDED THIS INFORMATION TO ME OR THE COURTS AFTER A JUDGE HAD A COURT ORDER. " XXXX '' IS THE SAME ENTITY AS " XXXX XXXX XXXX '' AS THEY JUST SIMPLY CHANGED THEIR BUSINESS NAME ON XX/XX/XXXX AFTER BEING SUED MANY OF TIMES INCLUDING THE ( FTC ) WHO SUED THEM FOR {$40.00} XXXX DOLLARS. THIS COMPANY CONTINUES TO TAKE ADVANTAGE OF ME AS MY LOAN WAS INVOLVED IN THE SUB-PRIME MORTGAGE FRAUD SCAM THAT WAS COMMITTED WITH COUNTRYWIDE HOME LOANS, SWITCHING TO BANK OF AMERICA AND THEN ALLEDGELY TO XXXX XXXX IN WHICH ALL THREE MISLEAD AND MISCOMMUNICATION MY LOAN DOCUMENTS WHICH WAS THEY THEY WERE SUED. I SAYING THAT I AM IN BANKRUPTCY COURT FIGHING TO KEEP MY HOME IN WHICH XXXX AND XXXX XXXX XXXX XXXX XXXX ( WHO DOES NOT EXSIT BY THAT NAME IN THE DEPARTMENT OF STATE OF DELWARE OR CALIFORNIA OR UTAH ) WHICH MEANS THAT ARE " NOT LEGALLY A BUSINESS BY THE NAME IN NONE OF THOSE STATES '' BECAUSE THE " DBA '' IS NOT REGISTERED OR LISTED. I NEVER SIGNED A CONTRACT WITH XXXX XXXX. MY MORTGAGE IS A MERS LOAN AND IT WAS ASSIGNED A MER MIN #. MY LOAN MIN NO. XXXX IS CURRENTLY LISTED IS " INVALID '' IN THE MERS SYSTEM.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/, I sent a letter to Transunion in regards to an inaccurate item on my credit report and I have yet to receive a response. This issue has negatively effected my credit and process in buying my home and I am very upset.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CO)

I tried to temporarily unfreeze my account with Equifax. I had no problem with XXXX  or XXXX, but this is the second time Equifax has given me trouble. I answered all of the questions that I was asked on the automated phone system perfectly. I track all of the data on XXXX to the penny, so I have have the information at my fingertips. I know the answers to everything but they are stating that I didn't answer the questions properly and will not unfreeze my account. I was hoping to re-finanace but have opted against it because Equifax is just too difficult to deal with. 

Prior to speaking with the representative, I went on-line to unfreeze my account but Equifax unfreezing screen states they are down for maintenance. After speaker with rep. she stated that it's not down I must be having technical difficulties. I was not having any difficulties. 

The only option they gave me was to mail in identifying information. They stated it could take 5 - 8 business days before they process the request plus mailing time. 

It shouldn't be this hard. XXXX  and XXXX  were much easier. It's simply not fair and I would love to see Equifax held accountable for their poor relations, lack of understanding and their technical problems that they are blaming on others.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

MY MOTHER XXXX XXXX XXXX XXXX WAS ATTACKED AT THE AGE OF XXXX. LIED TO ABOUT XX/XX/XXXX RESIDENCE.
SHE WAS XXXX  ON HER XXXX  BIRTHDAY. 
WHY HER FULL NAME THATS OF HER DEATH CERTIFICATE APPEARS ON MY EDD DEBIT CARD IS A HAINOUS ACT. MY SON XXXX XXXX XXXX XXXX THEN FOLLOWING WAS XXXX. I HAVE A SON AND A NEPHEW THE HOLDING IN A XXXX IN XXXX XXXX. XXXX XXXX XXXX AND SON XXXX XXXX XXXX XXXX XXXX HOSPITAL OR A XXXX XXXX.
I WAS ATTEMPTING TO GET A ROUTING NUMBER AND ACCOUNT NUMBER AND LOGGED INTO www.bankofamerica.com/
eddcard.
My AWARD CLAIM WAS SENT BYERROR IN THE CLAIM IT PACKET AND OVER THE PHONE INTERVIEW. I HAD TO TRACK THIS INFORMATION TO A ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  CALIFORNIA 
THAT HAD BEEN A XXXX  SPOT AND KNOWN XXXX.
I EVACUATED THAT RESIDENT ON XX/XX/XXXX FROM XX/XX/XXXX.
IT HAD A NUMBER I HAD KNOW USE OF SINCE XX/XX/XXXX XXXX/XXXX   XXXX. THE AWARD LETTER I HOLD NOW XX/XX/XXXX.
IT NOW IS AT A EDD APPEAL.  MAILED XX/XX/XXXX I RECEIVED XX/XX/XXXX. A 27 PAGE APPEAL WAS FAXED ON THE XX/XX/XXXX.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Paypal banned my account last XXXX XXXX. I complain the legal agreement to permanently limited my account i don't know the reason and ask the costumer service always say i have a violation to the agreement the auto bot always say that no exactly why my account have violation.My account just only received payment for the services please help me to unbanned my account to paypal thank you in advance to helping me.
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I want to close my PayPal account ; I no longer wish to use their service. My bank account information is part of my PayPal account details ; the bank account number can not be deleted from my PayPal account details. I wish to close my PayPal account to ensure my bank information is not vulnerable to hacking or other fraud or scam. 

PayPals User Agreement indicates I may close my account at any time. However, when I attempted to close my account myself, the system returned an error message telling me to contact customer support. 

Ive tried to call customer support repeatedly, but there are no live agents to assist. PayPal has no monitored email accounts. The only available support is via their direct messaging system. I have messaged PayPal every day for almost 2 weeks but can not get any real assistance. The last message I received indicated that they were unable to help me and that I would not be able to close the account for 180 days. No reason was provided for this delay, so this seems to be standard business practice. That is, unilaterally deny the consumer the ability to close his/her account for 6 months. 

In addition to repeated phone calls and messaging, on XX/XX/XXXX, I wrote a snail mail letter to an address that purportedly manages PayPal disputes. However, I expect this letter to be ignored. 

By way of background information, I do not owe PayPal any money. I have no open cases. I have no pending transactions. I have no active recurring transactions established in the system.
Consumer complaint received 2020-11-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been monitoring the Equifax information breach that occurred recently, and deemed it necessary to place a freeze on my credit. 
onXX/XX/XXXX, I placed freezes through XXXX, XXXX, and XXXX. Those actions took maybe 30 mins tops for all three combined. I have been attemptingto freeze my credit through Equifax to no avail. I have tried three times via the website ( https : //www.freeze.equifax.comXXXX ) and twice via phone ( XXXX ) with no assistance being provided. This is extremely frustrating as the company is the cause of this disturbance. I am appalled as to why this process is so tedious. I believe that Equifax should freeze all accounts as this breach is on them and their failure to protect the public 's secure information.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-05
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. (NV)

In accordance with the Fair Credit act. The List of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 
These accounts below have violated my rights. 

XXXX XXXX XXXX XXXX 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 an 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 crime 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 2024-02-06
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and DELETE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-06
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. (TX)

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities despite multiple attempt. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

Please acknowledge receipt of this complaint in writing within the specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-11-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2018 - late payment submitted due to login issues. This is the only late payment on this account and I have tried to work with creditor several times to have this removed to no avail.
Consumer complaint received 2020-10-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I opened a title loan with Title Max prior to the Pandemic around XX/XX/XXXX and have asked for assistance now and around XX/XX/XXXX. I was recently divorced and when the pandemic hit my ex-husband lost his income and then his job and now has been forced to file bankruptcy. This has affected my income as I am a co-signor to the mortgage, and other significant bills. Now this burden is on me. I explained this to the company today. Also, when the pandemic hit my company cancelled bonuses which I would have used to pay this loan off. This company will not offer any assistance although their President sent out an email and their website advertises assistance for COVID 19 relief. I sent an email to XXXX XXXX, President of the company and to their customer service and I have heard nothing. I called customer service and they told me to call the store, the store is not willing to do anything but offer me a few days to make the payment. I pay XXXX XXXX monthly. I have paid over {$10000.00} in interest alone while suffering the impact of financial loss. I do understand this is a loan that is intended for short term use, but, no one expected the pandemic to hit. This company is false advertising assistance that can truly help customers and this is appalling as other loan companies are truly helping. Definitely a loan shark company that doesn't care about customers. I want them to remove the Covid-19 relief from their website and to reduce my payments.
Consumer complaint received 2024-02-06
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX, I received a call from a man identifying himself as an internal auditor at XXXX XXXX in Texas. He said an account had been opened at xxxxx address in XXXX, TX with my name and my phone number, no other information. He said this was suspicious ( I believe he recognized my CA area code ). I told him that I don't have a house at that address, and I have not been in Texas for many years. I did not offer him my current address or any additional information about myself. I thanked him for the call and he hung up. 

About XX/XX/XXXX a woman called identifying herself as a rep for Texas XXXX XXXX ( a name or slogan that XXXX uses in ads on the internet. ) She said I had some fee money in an account and she wanted to give me what I was owed. I asked her what account and she gave me the an address in XXXX, TX that sounded like the same one that the auditor had called about. I refused to give her my mailing address and told her I was not the account holder. 

On XX/XX/XXXX I ran a credit report on Equifax. It shows a claim of a past due account at a XXXX, TX address, opened in XX/XX/XXXX. The amount is {$430.00}. The XXXX address is now listed as one of my former residences. 
On XX/XX/XXXX I called XXXX 's Fraud Alert call center and spoke with XXXX. He confirmed that XXXX had the same item reported on my credit report with XXXX. He advised filing a complaint with the FTC. 

My First Complaint is that XXXX XXXX forwarded a bad debt to XXXX that was not clearly attributable to me. My name is common, but my phone number is unique. XXXX did not do an adequate job of verifying the identity of its customer. 
My Second Complaint is that clearly, XXXX 's customer was posing as me to get free electricity, which is fraud. 
My Third Complaint is that XXXX and Equifax ( and presumably XXXX also ) accepted XXXX 's claim of a bad debt against me without doing an adequate review of XXXX 's claim.