davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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. (NC)

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above - mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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. (IA)

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: 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. (AR)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (DC)

My former dentist, XXXX XXXX XXXX, recommended XXXX to prevent further XXXX XXXX, so I agreed ( for medical reasons only ). Her receptionist provided me with a treatment plan ( attached ) that noted my insurance would pay $ XXXX ( which turned out to be false ) and the remaining $ XXXX could be paid off over 24 months with no interest at $ XXXX. I was confused when I subsequently receive a credit card welcome packet from CareCredit, but XXXX XXXX explained that financing was just going through a third party. I set up {$160.00} on monthly autopay in my XXXX XXXX  XXXX bill pay center and forgot about it, based on the communication that that monthly amount would pay it off in 24 months. I have, as of this week, come to learn the dental office had opened for me a deferred interest credit card ( a product completely unfamiliar to me ), and the $ XXXX quoted was just shy of the total monthly amount needed to pay off the balance in the 24 month " promotional window. '' Looking back at my online statements in XXXX, I see now that CareCredit alerted me to the " expiring promotional window '' in XX/XX/XXXX, but I didn't see it because I was using autopay and my CareCredit statements. When it was almost but not quite paid off ( ~ {$370.00} balance ) in XX/XX/XXXX, CarerCredit then hit me with {$1800.00} in deferred interest charges -- -more than half of the total original purchase. I only caught this, though in XX/XX/XXXX, when doing an audit of our family 's bills. I called Synchrony Bank ( CareCredit ) on XX/XX/XXXX to clarify the interest amount and called back on XX/XX/XXXX to repeat my request for help and explain the misunderstanding and was told there was nothing they could do. To avoid any further issues, I have since closed my account and paid off the balance ( $ XXXX ) ; however, I think this credit card company should be held responsible for the lack of appropriate information provided by its dental partner, in this case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (CA)

I have a virtual line of credit with Affirm. I was approved for a purchase authorization for {$490.00} for XXXX XXXX XXXX XXXX XXXXXXXX. Three days after purchase, I learned they lied about their refund policy and filed a dispute with Affirm. I was within their guidelines and they opened a case and requested any documentation to support my claim. I submitted all my email correspondence and text messages with my explanation. They responded that I did not send what they asked for and did not investigate, and closed the case.
Consumer complaint received 2023-12-08
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NV)

I informed Experian regarding an account that I've filed a local police report regarding. This account is fraudulent and identity theft, in which, Experian has never removed the account nor blocked it from my file. I have reason to believe Experian is willfully not complying. I've gathered all evidence of me attempting to have this account removed from my consumer report and they've refused. I have reason to believe Experian has NOT taken actual measures to investigate nor comply with Federal statutes as well as the FCRA. I've been denied credit and this has been extremely harmful to my reputation and has resulted in an unfair banking perspective. Despite my requests and proof of what I've alleged to be identity theft, Experian continues to purposely LIE stating they've verified something but refuse to inform me with who they personally spoke to, when they spoke to them, what evidence were they shown, etc. These are all questions I've asked. Experian continues to state they're " reinvestigating or reverifying '' upon my request, however, I've never made that request! Instead, I've supplied them with the necessary documents to block and remove this fraudulent account from my credit file and they've refused to comply.
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. (TX)

My account with XXXX XXXX, XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX  XXXX 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 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 that reported 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, 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
Consumer complaint received 2023-12-08
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)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the 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
Consumer complaint received 2023-09-28
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. (NJ)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$4400.00}.
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. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked each company to display my correct name and address my name is XXXX XXXX XXXX XXXX my Address is XXXX XXXX XXXX XXXX texas XXXX that is the only name and only address that should be on my report me and my father have the exact same name even middle name so there is alot of confusion especially on my credit report.
Consumer complaint received 2024-07-24
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. (TX)

I am writing to formally express my frustration and disappointment with the ongoing issues regarding fraudulent items on my credit report. Despite numerous attempts to resolve this matter, the fraudulent entries remain unaddressed. As a victim of identity theft, I have diligently provided all necessary documentation and followed the required procedures to dispute the fraudulent entries on my credit report. However, despite my compliance and persistence, these items continue to negatively impact my credit score and overall financial wellbeing. I kindly request that you could help investigate and remove the fraudulent items from my credit report immediately and provide a written confirmation once these items have been removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} ; XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  Balance : {$480.00} ; XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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. (TX)

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, TRANSUNION, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE FUSE AT XXXX XXXX XXXX XXXX  XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

Breach of privacy consent and violation of Consumer rights Time of Incident : XX/XX/year> @ XXXX XXXX  central Phone : XXXX In a phone conversation on XX/XX/year> with Chase representative, I explicitly denied voice verification as a method to retrieve and access information contained within my account. 

Today, XX/XX/year> at approximately XXXX XXXX  central time, Chase breached my consent when XXXX operators asked for my home address to confirm identity and admitted my account information ( on belief ) was listed on their screen despite never providing details like account or card number to retrieve details. My voice was used to retrieve information. My online digital access to account has been locked without justification from Chase since XX/XX/year>. I am unable to use credit/debit cards as a result. I am an established Chase consumer and retail account holder. Chase will not unlock my account unless I confirm details on credit report to prove my identity. I have refused to provide this information as I am an established customer for over XXXX years with responsible payments and account history. My credit history is irrelevant to the issue and quite frankly, none of their business. 

Identity Theft Enforcement and Protection Act Section Sec. 521.05 : Unauthorized use or possession of personal identifying voice information.

Section Sec. 521.051. ( a-1 ) Consent is not effective if : ( 1 ) induced by force, threat, fraud, or coercion.

Required actions : 1. Immediately unlock access to online digital account 2. Email address on file is accurate and valid to ensure password reset.

3. Remove voice verification from my account immediately 4. Punitive damages to be determined for any financial losses resulting from unjustified account lock 5. Reissue credit card ending in XXXX as per requested immediately.
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. (FL)

XXXX is refusing to remove closed accounts from my credit report, Pursuant 18 usc 8, I do not owe any debt, these companies on my credit report are violating my CONSUMER RIGHT TO PRIVACY
Consumer complaint received 2024-07-24
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. (MO)

This is to follow up in regards with the ongoing issues related to my credit report, specifically the inaccurate addresses and unknown inquiries. Despite my numerous attempts to address these inaccuracies, this letter marks my 16th effort to resolve the matter. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inquiries remain unresolved, which continues to negatively impact my credit score and financial standing. The inquiries in question were not authorized by me. I have repeatedly requested their removal, yet they remain listed on my report.I trust this provides sufficient proof to rectify these issues promptly. Kindly help me help Investigate the unauthorized inquiries listed on my credit report. and remove all inquiries that were not authorized by me. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me remove the following items immediately : XXXX Dincennes XXXX XXXX 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 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.