davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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. (VA)

I have asked the creditor to update the late payments they placed on my credit report and to provide me with, factual documentation that showed I was late. The Creditor, have yet to provide me with this documentation. You ( XXXX XXXXXXXX XXXX ) are in violation of my consumer rights according to Code 15 U.S 1681a2 ( A ) ( i ) -the Definitions ; rules of construction clearly states 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 ; now the term person defined by Congress means An individual. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So therefore, a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER and CREDITOR. 

There is also a discrepancy among all XXXX credit bureaus which is a violation of my consumer rights. XXXX and Transunion are reporting late payments for XXXX, XXXX, XXXX of XXXX and XXXX of XXXX while, XXXX is only reporting XXXX, XXXX of XXXX and XXXX of XXXX. All credit reports must match exactly, if not, then you are in violation. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a 3rd party.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2019, I surprise received a credit card from Lowe 's provided by Synchrony but I didn't register anything.

In XX/XX/2019. I received a bill from them for the amount of over 600 . I make a claim and check with Synchrony that is not by my SSN In XX/XX/2019. I continue received a bill from them for the amount over 800 . I countinue to claim with Synchrony bank.

In XX/XX/2019. I received the " denied letter " from Synchrony for my claim.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Deposits of checks and cash on several occasions inside the bank with the teller and I was not provided a receipt with the total deposit information. When I requested the slip with the total, I was told by the teller it would take a day for the money to be reflected in the account. I understand that the total should be on the statement and it also should show that estimate of the total even if I will not have the access to the money until checks have been cleared which usually takes a couple of days but the total should be on the receipt but the teller told me that was not the case. 

I have contacted the back because when I access the statements online it did not reflect the totals that I have deposited which I think was a mistake. I when directly to the back and talked to the teller and the bank manager and they stated that they could not access the account. I had my daughter come to the bank with me to help but they did not provide us with the statement right away. The back manager told us that he could not access the account and would call us back the next day because he would have to contact the main office. The system was not down but gave him the benefit of the doubt. The statement he provided 24 hrs later did not match what I deposit and the cash total was not recorded. I ask if he can provide us with the information on the cash deposit and what type of bills were deposited and he did know how to. I am asking to get a video or an investigation to find out what happened to the cash that was deposited as this happen several times both in my savings and checking accounts that are connected.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

I received a letter dated XXXX/XXXX/XXXX from Synchrony Bank in XXXX Fl. regarding my Synchrony credit card ending in XXXX. This letter stated that Synchrony was conducting an investigation to verify recent transactions processed on this card. I had received a phone call from Synchrony just prior to the letter advising me of certain charges showing up in other states such as Illinois, California and Texas. During the phone call I made it clear that I had only been in Va. and N.C. in recent months and these were clearly fraudulent charges. I was assured that these charges would be removed and that my existing card would be cancelled and I would receive a new credit card. This was followed by a letter advising me that the disputed amts. and all associated charges would be removed and credited to my acct. Only part of the charges have been removed despite phone calls to complain about this. These charges remain plus monthly late charges and this is being treated as if I am delinquent in my payments. My last contact with the BP fraud unit was XX/XX/XXXX and I talked to a person named XXXX who gave me a file # XXXX. She advised me that these things take time and told me not to worry. Nothing has changed and I just received a statement with further charges added and that this is an attempt to collect a debt. This seems to be never ending and leaves me without faith in Synchrony Bank doing anything to clear this up. I have an unblemished credit record and I am worried that the lack of attention to this matter may leave me with damaged credit.
Consumer complaint received 2024-07-19
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 HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Consumer complaint received 2024-07-19
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 ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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. 


( XXXX XXXX ) 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (TX)

Opened : XX/XX/2020 Amount : {$470.00} accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been trying to access my credit report account from XXXX and I sent in information to prove my identity. I still can't get into the account! There is information that doesn't belong on my credit report. I received my report from the annual reporting website. I also asked how was some of the information that is listed, was received and was told by another party. My information shouldn't be given out. I am a victim of XXXX XXXXXXXX and I reached out to them and asked for my information to be frozen and to put an identity theft alert on there. There are also accounts and inquires that I didn't make. I am over exhausted trying to get this fixed.
Consumer complaint received 2024-07-19
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. (AL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion Regarding a XXXX open XXXX account with XXXX late paymentsin the 10 Years. I have new accounts open in 2024 Somehow this agent says that I lost the 10 years of positive payment history because I opened new accounts. My history with TransUnion shows XXXX credit history, When asked the Transunion agent told me that because I opened a new account I lostthe 10 years of positive payment history - I would like this to be cleared up. Case # XXXX XXXX ID : XXXX  XXXX.
Consumer complaint received 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2024-07-20
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-19
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. (TN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Cell : XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Subject : Request for Assistance with Removal of Inaccurate Information from My Credit Report Dear XXXX XXXX XXXX XXXX this letter finds you well. 

My name is XXXX XXXX XXXX, and I am writing to seek your assistance regarding several inaccuracies currently reflected on my credit report. Despite multiple attempts to inform the credit bureaus ( XXXX, XXXX, and TransUnion ) of these inaccuracies, I have yet to receive a response, and the erroneous information remains on my credit report. 

The presence of these errors is negatively impacting my XXXX XXXX, my ability to make significant purchases, and my opportunities for obtaining a federal job. I have enclosed a copy of my credit report, highlighting the accounts that should have been deleted a long time ago, as they have been resolved. Specifically, I am requesting the immediate removal of the following : XXXX. XXXXDelinquent Bank Accounts** : These accounts have been fully paid off and should no longer appear on my credit report. 
XXXX. XXXXollections Agencies*XXXX : Any collections agency currently listed on my credit report should be removed, as I have successfully resolved these accounts. Enclosed are copies of letters confirming the resolution of these accounts. 
XXXX. **Incorrect Addresses** : My current and only address is XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX Any other addresses listed are incorrect and should be removed from my credit report. 

Additionally, I am an authorized user for XXXX bank accounts with XX/XX/XXXX XXXX, XXXX, and XXXX XXXX. Please update my credit report to accurately reflect this status. 

The continued presence of these inaccuracies is causing undue hardship for my family and hindering my career opportunities. I kindly request that you intervene and assist in resolving these issues promptly. 

Once the necessary corrections have been made, please send me a copy of my most recent credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance and understanding. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-07-19
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. (FL)

Method of verification FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY I request an immediate response of the verification source of information used in order to return " verified '' response to the last CFPB complaints filed with each credit bureau. Under the FCRA 611 ( 15 U.S.C. 1681I ). I demand to receive from Experian, Transunion, and Equifax the source of verification used by these companies, or delete all those contested items from the credit report. Otherwise, these companies will have to compensate for all the denials attributable to the contested items in question for willful noncompliance and negligent noncompliance with the FCRA.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion Regarding a XXXX open XXXX account with XXXX late paymentsin the XX/XX/XXXX Years. I have new accounts open in 2024 Somehow this agent says that I lost the 10 years of positive payment history because I opened new accounts. My history with TransUnion shows XXXX credit history, When asked the Transunion agent XXXX me that because I opened a new account I lostthe 10 years of positive payment history - I would like this to be cleared up. Case # XXXX XXXX ID : Precious XXXX.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to equifax, XXXX, or XXXX due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE XXXX BUREAUS.
Consumer complaint received 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove fraudulent inquiry as soon as possible. 

XXXX XXXX inquiry date XX/XX/year>