davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-14
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. (IL)

I need your help addressing the false account information on my credit report. This situation has negatively affected my reputation, and I require your assistance. The way my credit report has been managed has put me in a difficult position, and the incorrect data has damaged my reputation. Please correct these mistakes so I can restore normalcy for my family.
Consumer complaint received 2024-08-13
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. (IL)

I have no affiliation with this inquiry or the creditor mentioned. I ask that it be removed from my credit report as soon as possible. 
XXXX XX/XX/year>
Consumer complaint received 2024-08-13
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 am asking for your help to correct the inaccurate details reported on my credit report. This issue has severely damaged my reputation, and I need your intervention. Your mishandling of the report has left me in a precarious situation, and the misleading information has hurt my reputation. I urge you to remove these errors so I can rebuild my life with my family.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (DC)

I have tried disputing a transaction for {$250.00} with PayPal Mastercard at Synchrony Bank. PayPal has been unhelpful and not addressing my concerns. They have not sent out any letters or communications to address my dispute. They rejected my dispute without notifying me. I have tried reaching out to PayPal over and over, but their customer service has been unhelpful and has provided me with factually incorrect information. After inquiring about my dispute, PayPal asked me to send them evidence to support my dispute. They refused to receive the evidence ( e.g., photos ) electronically. After I shipped them the photos, printed in color, PayPal confirmed receipt. But now PayPal is claiming they're having difficulty viewing the images because their scanners were able to scan the photos in black-and-white. 

Moreover, after filing a dispute five separate times, PayPal customer service could not locate any of my disputes.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-08-14
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. (GA)

I am writing to bring to your immediate attention a serious issue regarding my credit report. I have been a victim of identity theft, during which my personal information was used to create multiple fraudulent credit files across various credit bureaus. To address this situation, I submitted a Federal Trade Commission ( FTC ) fraud report and promptly notified each credit bureau, including XXXX, XXXX, and TransUnion, of the incident. I also outlined the measures I have taken to mitigate further damage to my credit profile. Despite my efforts and the submission of the necessary documentation, my credit reports still reflect the incorrect information that has resulted from this fraudulent activity. I have not yet received a response from any of the bureaus, and the incorrect data remains on my credit files.
Consumer complaint received 2024-08-14
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)

XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes : 1. A personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX  ). 
XXXX. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX  ). 
XXXX. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ). 
XXXX. A personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX  ). 
XXXX. A mortgage loan account opened at XXXX XXXX XXXX XXXX under the account number ( private ). 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ). 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ). 

These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries, along with a copy of the consumer FICO credit report maintained by you, which highlights the fraudulent items mentioned above.

I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.
Consumer complaint received 2024-08-14
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. (NY)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7400.00}
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-14
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. (AL)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX
Consumer complaint received 2024-08-13
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

For 5 years I have been disputing two accounts on my credit report from XXXX XXXX XXXX XXXX. In 2018 I had a payment arrangement for a creditor set to draft their payment out of my bank account. I set up this payment arrangement with the intention of having the funds available on the day of the draft. Due to medical issues that made me unable to work I had to withdraw the funds to pay only our necessities which left my account empty by the time the creditor tried to draft the payment from my account. Since I knew I did not have overdraft protection on my account I assumed the transaction would just fail and me and the creditor would just work out another payment plan. Unfortunately, XXXX XXXX XXXX XXXX decided to do a " one time courtesy pay '' to the creditor on my behalf without my knowledge or consent. This caused my account to go into the negative and forced me to switch my direct deposit to another bank because I could not afford for them to take all that money back when I was paid the following month. I have gone into the bank, called the corporate office, disputed the charges and I still can not have this charge removed from my credit report even after they could not provide me with any documentation showing that i was aware the bank could make one time payments even if you dont have overdraft protection ( which i did not have overdraft protection ). They also could not provide my signed consent to this process. XXXX XXXX  may have assumed they were doing me a favor with this action but i have been living with the impact on my finances and credit report for 5 years now. Not only did they make this unauthorized payment on my behalf but instead of this being one account on my credit report they have split the balance of the payment and reported 2 accounts. One with a balance of {$410.00} and a second with a balance of {$64.00}. I was sure when I explained this to the credit bureaus they would find that XXXX XXXX  had no authorization from me allow this transaction to go through and remove the two negative accounts but every dispute comes back in favor of XXXX XXXX. I am asking one final time for proof that shows my knowledge and consent to this " courtesy payment '' practice from XXXX XXXX XXXX XXXX. If they can not provide proof I would like the 2 accounts removed from all of my credit reports and a payment for the amount on both accounts for the 5 years of damage to my credit due to their unauthorized assistance.
Consumer complaint received 2024-08-14
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-14
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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. (OH)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite numerous attempts to address the inaccuracies in these accounts and my repeated requests for thorough investigations, I have yet to see any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and disrupting my ability to live a normal life. The impact of these inaccuracies has caused significant hardship, compelling me to urgently seek your assistance in resolving this matter as quickly as possible. 

I respectfully request a thorough investigation into the reporting of each disputed account. It is critical that immediate steps are taken to update and correct my credit report without further delay. Your assistance in restoring the accuracy and integrity of my credit file is vital for me to regain control over my financial stability. 

I strongly urge you to prioritize this issue and take swift action. Your prompt cooperation and support in resolving this matter would be greatly appreciated. 

Thank you for your attention and assistance.
Consumer complaint received 2024-08-13
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. (MO)

I noticed some fraudulent accounts on my credit report during a recent review. Please remove them, as they are impacting my ability to secure credit. 
XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$460.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$680.00} XXXX XXXXXXXX - XX/XX/XXXX - {$400.00}
Consumer complaint received 2024-08-14
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)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-14
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. (NJ)

have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.