davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

On XX/XX/2024, I made a payment to my Capital One credit card # XXXX for {$180.00} to pay off the balance of the card. I continued using the card with the knowledge that I thought I now had a {$0.00} balance in the account. 

I was unaware that I accidentally used my old savings account routing and transit account number to make the payment. There wasn't a sufficient balance in that account to make the payment. As a result, the payment was declined by my bank for insufficient funds. 

After a few days, on XX/XX/XXXX, I noticed that the payment had not come out of my account, so I checked my card account. I was confused to find that my payment had been returned on XX/XX/XXXX because I thought the money was going to be taken out of my checking account. Instead of calling my bank, I tried to submit the payment again. The payment was then returned again on XX/XX/XXXX. 

On XX/XX/XXXX, I decided to try and send in a small payment ( regular payment ) to see if that would work. A couple of days later, I noticed that my card balance was above the approved limit of {$200.00} because of the returned payment ( XXXX ) and new charges. I made another {$30.00} payment to bring the balance below {$200.00}. 

On XX/XX/XXXX, I finally decided to check with my bank. It was then that I discovered that I was using the wrong account. Therefore, I went online and corrected the error and made the XXXX payments again. As of today, the balance in my card account is now {$190.00}, below the allowed limit. 

On XX/XX/XXXX, I received a letter from Capital One dated XX/XX/XXXX regarding the account stating that the account had been closed because, " activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. '' I called the number on the letter and talked with representative XXXX ( employee # XXXX ). He told me that I had to be transferred to the Fraud Department to resolve the issue, so he transferred me to XXXX ( employee # XXXX ) in the Fraud Department. XXXX told me that the account was closed automatically because the balance went above the credit card limit. Had the payments been made correctly, this would not have been an issue. 

She told me that because of the circumstances, I would be able to go online and reapply for a new secured card and it would be approved. I did that and it was declined. Although I agree that the mistake was mine, I am concerned that my account was closed without any attempts by Capital One to contact me to resolve the issue first.
Consumer complaint received 2024-07-23
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. (NC)

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 studying 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 XXXX out of XXXX 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 : 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
Consumer complaint received 2024-07-24
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 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 2024-07-23
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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (VA)

A report called " Early Warning '' was brought to my attention recently. After printing out my report, I realized that every single transaction from every account I have with XXXX XXXX XXXX XXXX has been and continues to be illegally shared with unauthorized third parties without my knowledge and without my consent. I have sent notices to the legal team at XXXX, and the response I received had nothing to do with the several Privacy Act violations of which i was concerned about. Each transaction that has been shared illegally violates the Privacy Act and carries a fine of {$1000.00} for each illegally shared transaction.
Consumer complaint received 2024-07-23
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. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (FL)

Subject : Dispute of Inaccurate Information on Credit Report ; inaccurate late payment XXXX XXXX # # XXXX Dear Equifax, I am writing to dispute the accuracy of the information reported on my credit report. Recently, I disputed this account, and you stated that the account was verified as accurate. I request a detailed explanation of how you conducted your investigation to determine that this account is verified as accurate. Specifically, did you review all the information that the furnisher submitted to you to determine the account was reporting accurately, or did you solely rely on what the furnisher told you? 

This account is reporting an inaccurate late payment for the month of XX/XX/year>. This inaccurate reporting is causing significant damage to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputed information. I believe that this requirement has not been met in this case.

Additionally, under the FCRA, 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate reporting of this late payment indicates a failure to comply with this requirement. 

I demand that Equifax conduct a proper investigation and remove this inaccurate late payment from my credit report immediately. Please provide me with written confirmation that this information has been corrected. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

TRANSUNION 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 2024-07-23
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-08-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (MO)

I submitted a credit application contract to XXXX XXXX XXXX XXXX  on XX/XX/year> for $ XXXX to purchase a new vehicle. The application is a security that was signed by the agent for the principal and transferred to Ally Financial. Ally Financial is registered with the SEC and says in their own prospectus that the credit applications are securitized, counted as receivables and traded. As the signer I have a security interest in the security and Ally Financial has refused to transfer the funds for the consumer to purchase a vehicle and kept the security committing securities fraud violating Securities Exchange Act and the Uniform Commercial Code.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-07-23
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. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX
Consumer complaint received 2024-07-24
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. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-07-24
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-07-24
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 received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-08-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (FL)

Received letter from XXXX XXXX XXXX that a credit card application " Needed more information. '' I did not apply for a Target credit card. XXXX went over the information given on the application and it appears the only information that was correct was my drivers license number. XXXX tagged the application as fraud. This occurred on XX/XX/year>. 

Last month another account was attempted to open in my name at XXXX.
Consumer complaint received 2024-08-05
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. (AR)

I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit reports with XXXX, XXXX, and TransUnion. The discrepancies in the reported data are significant and have led to a misrepresentation of my credit profile. Additionally, there are concerns regarding a breach of privacy, as my personal information appears to have been mishandled or improperly shared. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Payment History : XXXX : No late payments reported XXXX : Was 90 Days Late 14 Times TransUnion : No late payments reported Violations and Impact The discrepancies between the credit bureaus in terms of the date last active and payment history are severe. The inconsistent reporting of late payments, with XXXX indicating a large number of late payments while XXXX and TransUnion show none, is particularly misleading and damaging. Additionally, the potential unauthorized sharing or mishandling of my personal information with third parties constitutes a serious breach of privacy, causing undue stress and potential harm.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized handling or sharing of my account information, particularly with third parties, constitutes a breach of my privacy rights. This includes disclosing sensitive information without proper consent or authorization.