davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX, XXXX, and Transunion are reporting the following inquiries that I did not authorize! According to the FCRA Section 1681e - Reasonable procedures to ensure accuracy : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of consumer credit information they collect, maintain, and disseminate. This includes procedures to verify the accuracy of information reported by creditors, and to correct or delete inaccurate information. 
Section 1681i - Reinvestigations : This section gives consumers the right to dispute inaccurate or incomplete information in their credit reports. Credit reporting agencies must investigate any dispute and, if necessary, modify or delete inaccurate information. The agency must also notify the creditor or information furnisher who provided the disputed information about the dispute. Please help me dispute the following inquiries : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XX/XX/2022 XXXX ) XXXX  Inquiry Date : XX/XX/2022 XXXX ) XXXX  Inquiry Date : XX/XX/2022 XXXX ) XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX. Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX Inquiry Date : XX/XX/2022
Consumer complaint received 2024-08-09
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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX 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 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-09
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED 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 GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-09
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-09
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. (IL)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX O - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-08-09
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. (MD)

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has agree to delete both accounts from my consumer profile with the response reported by the CFPB they stated that XXXX  XXXXXXXX XXXX XXXX is to be deleted due to inaccurate reporting. These accounts are still not reporting accurately on my consumer reports please remove both accounts from all my consumer reports that you do not have my permission.I will pursue legal matters.
Consumer complaint received 2024-08-08
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-08
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. (CA)

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 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

so i had placed two fraud claims on two transactions on my account involving a XXXX  transaction. my XXXX account was compromised/hacked and {$990.00} total was drawn from my bank account to my XXXX balance in two transactions and sent to a different XXXXXXXX XXXX my claim was denied and i asked why the reason was because the name that the money was sent to was used previously before but i previously called the institution to ask them to place a note on the claim to say my account was compromised and thats how these transactions occurred so the specialist knows what happened. But in the end it was still denied so I made multiple reports with CFPB to address another situation that involves these transactions. i had to go into a bank with two forms of id to verify to call the dispute department and find out what my claim was because theyve blocked off my access to mobile banking and the system from sending me codes to verify me. i previously asked if my account can not be closed or if i could be able to open a new account after this one closes because it closed due to a check that bounced and they said no. but to focus on the main point The bank has denied my claim because they said my XXXXXXXX XXXX was used within the transaction which is unprofessional because there was a note on the claim to show that it was my account that compromised so of course my XXXX XXXX would be used.
Consumer complaint received 2024-08-09
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 XXXX XXXX XXXX XXXX XXXX, XXXX was never late XXXX 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 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. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2024-08-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

Contacted Synchrony Bank customer service on or around XX/XX/XXXXXXXX XXXX XXXX XXXX concerning my bill being XXXX when it's normally XXXX. I was transferred to another department. When I spoke with the young lady I inquired as to why my bill was {$30.00} higher than normal. She told me that I as being charged some sort of fee ( can't remember the name ( every month and it would cause my payments to fluctuate depending on my ending total balance. I expressed to her that I didn't understand because my payments had been the same every month except for the months of XXXX ( which I called in about and another rep fixed and said my bill would return to my normal payments ). She advised me that I had been charged this fee since XXXX and that the only way I was in the program was I had to opt into the program when I applied for the card. I told the rep I had no idea about the program and that I was no longer interested in paying/participating. She stated she would remove me from the program and that I was APPROVED to receive a REFUND, and I would receive a check for all the money I had paid so far, which was XXXX XXXX.I told her " Thank you and nothing else was needed. '' fast forward to XX/XX/XXXX I check my online Synchrony account to see that a refund had posted on XX/XX/XXXX, but I still had not received a check. XX/XX/XXXX, I received a letter from Synchrony saying that my claim had been denied and I was not going to receive any money back due to it being past a 90-day promo period, but instead they would give me a courtesy credit and credit my account with the {$580.00} instead. I was floored that I could be told I was approved for money I didn't as for in return just for the company to send me a letter 2 weeks later saying " Yea we lied, but here be grateful for this ''. '' real SHADY business practices
Consumer complaint received 2024-08-10
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. (NJ)

Its been over XXXX  days and the creditor XXXX XXXX XXXX Account number XXXX has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payment on my credit report under federal law they had XXXX  days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have identified several items on my credit report that I do not recognize, and it appears that someone may have stolen my identity. I did not authorize these accounts. I previously reported this issue and am now requesting that these unauthorized accounts be removed from my report immediately. The presence of these accounts is causing me significant distress and does not accurately reflect my credit history or financial management. This situation has been challenging, and if it is not resolved promptly, I am prepared to take legal action to protect my rights. These incorrect items on my credit report are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I trust that we can resolve this issue swiftly.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/23 payment of XXXX was sent for half of payment to receive two XXXX XXXX  tickets to a user. Upon sending I tried to go back and click not btwn friends but it was too late. I contacted Venmo immediately to cancel the transaction. After more digging I noticed the user set up fraudulent fake accounts to send money back and forth to seem like it was legit with the same emojis like pizza or gas. 
Venmo would not stop the transaction and said they would get back to me in 5-7 business days. 

This scammer will continue to hit more innocent people and the account/s have not been shut down.
Consumer complaint received 2024-08-09
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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2024-08-09
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Transunion RE : ACCOUNT NUMBER XXXX, ( ACCOUNT NUMBER XXXX ) Dear Transunion Consumer Relations Team : I am a victim of identity theft. The items ) listed below, which appears on my credit report, does not relate to any transaction ( s ) | have made. It is the result of identity theft. 

XXXX. XXXX XXXX XXXX ACCOUNT NUMBER XXXX ) XXXX. XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX. XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX, Inquiry Date : XX/XX/XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX. Inquiry Date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifi cations to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill & Social Security Card Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2024-08-09
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. (NC)

I notice on my credit report accounts that I did not authorize or have not been verified. I filed an FTC report due to information exposed in XXXX XXXX, please remove all accounts below. 


* Inquiries : 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 XXXXXX/XX/XXXX