davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

complaint against Care Credit / Sychrony.com charges on XX/XX/XXXX {$820.00} dental care first payment due XX/XX/XXXX payment of {$40.00} on XX/XX/XXXX online, and as of XX/XX/XXXX payment was not posted. So i made another payment on XX/XX/XXXX in amount of $ XXXX of these amounted were posted and subtracted from amount due then also on XX/XX/XXXX my {$50.00} paymnet was reversed but not returned to my bank account., XX/XX/XXXX {$30.00} late payment fee, applied to care credit account. XXXX  XXXX pyment made and credited to account, XX/XX/XXXX XXXX charged to account. XX/XX/XXXX {$40.00} payment made, XX/XX/XXXX XXXX {$0.00} paymnet reversed, XX/XX/XXXX charged {$30.00} late fee. XX/XX/XXXX {$100.00} pymt made,, XX/XX/XXXX {$100.00} pymnet reversed, XX/XX/XXXX charged {$30.00} laste fee. XX/XX/XXXX interest applied to account. this account is not suppose to be charged interest if you pay in full within 6 months.I wass charged interest. after this i checked blogs and i am not the only one these crooks jhave done this too. they are thieves. when i icontacted them they said they couldnt find my account. yet i have the activities posted on their app for my account. this is total XXXX that the consmuer has not recourse against companies taking advantage of the american consumer.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, PXXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF EF Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/TU/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-04-04
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2017 I initiated a {$60.00} international money transfer through western union to my family member in XXXX ( Tracking # XXXX ). Western Union refused to pay the money with no reasonable explanation. I raised a complaint with them internally and they stated they would initiate an investigation that could take up to 20 days ( Tracking of complaint # XXXX ). Days later I received a call from them stating that there was an error in their system that prevented them from paying out the money and provided me with a tracking # to claim my refund plus their {$5.00} fee at one of their agent locations ( tracking # XXXX ). When I went to claim the money they refused to pay saying the transaction was canceled and to contact Western. I contacted them and their story this time was that they refunded me the money DIRECTLY to my account. To date I have not received such refund ( attached is also my bank statement as proof ). They just continue to give me the run around with no resolution. I am now out of my {$65.00} and my family is going without due to this ridiculous way of stealing money and handling on behalf of Western Union. I hereby demand that they refund me immediately. 

Please help me because these people are crooks! I am also having trouble with them paying out or refunding me another money transfer.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-03
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 XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC XXXX Subject : Demand for Validation of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX ( Original Creditor : XXXX XXXX ) on my credit reports. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that I do not recognize this account. 

Details of the Dispute : Account Type : Collection Date Opened : XX/XX/year> Balance : {$900.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported against me ( 15 U.S.C. 1692g ). The FDCPA requires debt collectors to provide verification of the debt upon request. Since I do not recognize this account, I am requesting validation of this debt.

Additionally, the Fair Credit Reporting Act ( FCRA ) protects consumers by allowing them to dispute inaccurate or incomplete information on their credit reports ( 15 U.S.C. 1681i ). If the creditor can not validate this debt, I request that it be deleted from my credit reports.

Requested Actions I kindly request that you provide me with documentation verifying that this account is valid and that it belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies.

Please respond to me at the address above within 30 days, as required by the FDCPA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
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)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave ay consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts and incorrect information and inquiries listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX, XXXX XXXX XXXX XXXX pa 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 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXXXXXX XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2019 I had received my Maryland Unemployment Benefits I have the prepaid debit card used for withdrawing and usage. 
At approximately XXXX XXXX  I had went to withdraw money from my local Bank of America branch where the card is useable with out surcharge. 

Put my card in to withdraw the amount of XXXX $ out of the XXXX $ I receive weekly every Tuesday from the Maryland Unemployment Benefits. 
So I tried to withdraw no money dispensed. 

I received the receipt showing a remainder amount of XXXX $ in my account. No money was collected. 

I began to proceeding into the Bank of America branch to see if there was anything the teller could help. Unfortunately she said call the back of the number to the card. As its not one of their cards they could preform a reversal. 

I took pictures of the atm and the atm service request number. Called the Bank of America atm service request retaining the information about my experience with the atm not dispensing my cash Ive requested. They took my name and ID number of the atm. 
But there was nothing they could do. 

Finally I called the number on the back of my card for the unemployment prepaid Bank of America customer service. 
Spoke with a representative I then told the issue, filed a claim, was told basically it could take up to 45 days to be resolved. Within 7 days a reaccredit for my account withdraw for the XXXX $ could potentially be performed. 

I asked for anyways to speed up the process because Im unemployed I have no funds currently besides the XXXX $ mentioned left. The representative told me to fax in my receipt of the transaction from the ATM. 
In which Ive done so. Id then asked after the fax had theyve received my fax.

The representative told me they couldnt see my fax up to 2-3 business days!

I called 2 times later that evening to even check if they started processing my claim.

Nothing could be given informational regarding there issue when I could be responsible to see my money back accrediting my balance. 
Im in disbelief.
Consumer complaint received 2024-10-03
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. (OH)

XXXX XXXX, XXXX,, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Listed below are the Personal Information that are being challenged Incorrect DOB : - 1985 Incorrect Previous Address : - 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 2023-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have an old credit card debt that is with a debt collector and I have been paying on it for the past year or so. I have missed a few payments. So I wrote to the company and asked for my balance in writing only through email or US mail. They still attempted to call me. And they did receive my letter because I received a response back stating they received it and asking me to contact the office. At this time I want no verbal communication with the company only email or US mail. I would like to get the account taken care of so I need the information which is my balance that's all. And they do not list the information on the website but will glady take a payment.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am disputing these accounts on my credit report due to information being inaccurate and not correct, I am requesting for validation of these debts that I have never received and for these accounts to be verified in writing to me with correct amounts and dates or to be deleted from my credit report thanks, I will be uploading documentation
Consumer complaint received 2024-10-02
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. ()

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-03
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)

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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX Acct # XXXX Attn : Credit Bureau Disputes To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 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 ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( 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. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address