davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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. (NH)

I am writing to dispute XXXX late payment entries on my TransUnion consumer report for the account JPMCB Auto ( Account # : XXXX ). The late payments in question are for XX/XX/XXXX and XX/XX/XXXX. I can confirm that I was never late for either of these months, and all payments were made on time. 

In accordance with 15 U.S. Code 1666b, I request that you provide documentation to support these late payment claims, including : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least XXXX  days before the respective payment due date.
Consumer complaint received 2024-10-05
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. (MI)

On the day of XX/XX/year> at around XXXX XXXX  I had been shopping in the XXXX XXXX XXXX XXXX in Wyoming Michigan when I left my wallet in the parking lot. I contacted XXXX XXXX Police Department and my wallet was retrieved with my personal belongings missing such as my drivers license and my social security card. Currently within the pass few months i have noticed some unauthorized inquiries hitting my credit reports consumer reports such as Transunion, XXXX and XXXX. My credit score has dropped traumatically. Please take in consideration that I am a victim of identity theft and help protect and secure my personal information. Thank you..
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I am writing to express my deep concern about the recent decision by PayPal to permanently limit my account. I strongly believe that this limitation was placed by mistake and that I have not violated any PayPal policies. 

I have been a loyal PayPal customer for many years, and I have always conducted my transactions with utmost honesty and integrity. I have never engaged in any fraudulent or malicious activities, and I have always followed the rules and regulations set forth by PayPal. 

I am therefore shocked and dismayed by this decision, which has left me feeling completely helpless and without any recourse. I have tried to contact PayPal to understand the reasons for this limitation, but I have not received any satisfactory response so far. 

I would like to take this opportunity to request PayPal to re-investigate my case and restore my account, if possible. I am willing to cooperate fully with PayPal and provide any information or documentation that is required to resolve this matter. 

I strongly believe that this limitation was placed in error, and I am confident that a thorough investigation will reveal the same. I kindly request PayPal to provide me with an opportunity to prove my innocence and restore my account. 

I would also like to reiterate that the email address associated with my PayPal account is XXXX. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your attention to this matter, and I look forward to a positive resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-05
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. (IN)

I recently checked my credit credit report and found hard inquiries which was unauthorized so i want them off my report form both XXXX and TransUnion XXXX has already removed them I'm haven hard time with both XXXX and TransUnionSubject : Request for Removal of Unauthorized Hard Inquiries I am writing to dispute certain hard inquiries listed on my credit report, which were made without my authorization. These inquiries are negatively impacting my credit score, and I request their immediate removal. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and verifiable. Specifically, under 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) of the FCRA, a consumer report is only permissible if it is requested for a legitimate purpose with my explicit consent. I have identified the following hard inquiries that I did not authorize : [ List the companies and inquiry dates that need to be removed ] These inquiries were not made with my consent, and I believe they are a violation of the FCRA. I am requesting that you investigate these inquiries immediately and provide evidence of my authorization. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are required to investigate disputed information within 30 days of receiving this notice. If you determine that these inquiries were unauthorized, I expect the hard inquiries to be deleted from my credit report and confirmation of the deletion to be sent to me in writing. Please also forward an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter. I look forward to your prompt resolution and response within the legally allotted time frame.
Consumer complaint received 2024-10-06
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the grace period : My payment for XX/XX/XXXX was made on time, which falls within the grace period set by XXXX XXXX Therefore, the account should not have been reported as 30 days late. 
Bank error resulting in delay : The payment was delayed due to an error in my bank 's processing system. I provided evidence that I initiated the payment on time, but it was not processed correctly by the bank, causing the late reporting. This error was beyond my control. 
Evidence provided : I have attached bank statements and payment confirmations showing that I initiated the payment before the due date. This documentation clearly demonstrates that the delay was due to a technical issue with the bank, not my negligence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Late Payment Reporting under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ) and FCRA Dear XXXX, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account as reflected on my credit report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, I believe that the reporting of this late payment is inaccurate and in violation of several key statutes. 

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), transactions or experiences between me, the consumer, and XXXX XXXX are not considered to be subject to third-party credit reporting. Since this late payment pertains to a transaction or experience exclusively between XXXX XXXX and myself, it should not have been reported to any credit reporting agency. Therefore, I am requesting that you reverse this late payment and mark the account as current or have it removed from my credit profile immediately. 

Furthermore, under 15 U.S. Code 1666b, it is required that a creditor, such as XXXX XXXX, provide billing statements at least XXXX  days before the due date. I request that you provide documentation proving that my billing statements were sent to me within the required timeframe. If you can not provide these documents, this would constitute a violation of my rights under the XXXX XXXX Billing Act ( FCBA ) and further demonstrate that the reported late payment is invalid. 

Additionally, FCRA Section XXXX and Section XXXX support that any information on my credit report must be verifiable, accurate, and reported in compliance with the FCRA. If the late payment can not be fully verified in accordance with these sections, it must be removed from my credit report immediately. 

In light of these legal provisions, I kindly request that you : XXXX. Reverse the late payment and mark my account as current, or XXXX. Remove the late payment from my credit report entirely, and XXXX. Provide evidence that you complied with XXXX XXXX XXXX XXXX by sending the required billing statements at least XXXX  days prior to the due date. 

If you are unable to comply with these requests or provide verifiable documentation supporting the late payment, you are required by law to remove the negative reporting from my credit file in accordance with the FCRA. 

I look forward to your prompt response and resolution of this matter within the XXXX timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX Account XXXX Account XXXX
Consumer complaint received 2024-10-06
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)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Account : 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
Consumer complaint received 2024-10-06
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)

Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX XXXX  : XXXX Address : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  XXXX TransUnion, XXXX XXXX XXXX XXXX : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for XXXX items listed below as Fraudulent. Please remove all from my credit report. 
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. 
Items listed above have 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 XXXX : 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 XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Account listed : XXXX XXXX  ( XXXX ) Opened : XX/XX/XXXX, Balance : {$2700.00}, Payment status : Collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX XXXX XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within XXXX  days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2024-10-05
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. (NC)

Someone used all of my personal information to obtain and lease to own product that was never received here or anytime during or after the suspected event on or about XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX  has attempted to collect and now reporting this on my credit reports, a financial fraud case has been submitted to the XXXX Report # XXXX today XX/XX/XXXX.
Consumer complaint received 2023-04-25
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: Fidelity National Information Services, Inc. (FNIS) (ID)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE NOT INITIATED BY CONSUMER ( 2 ) LIMITS ON INFORMATION RECEIVED UNDER PARAGRAPH ( 1 ) ( B ) ONLY ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
On XX/XX/2023 ChexSystems violated my rights, and broke the law, according to The Fair Credit Reporting Act, two times. According to the law cited above the first offense and violation came when ChexSystems shared my personal experiences with another entity and without my consent. The second violation of my rights, and the law actually came on two separate days. According to The Fair Credit Reporting Act, ChexSystems failed to disclose my consumer report when I requested it on XX/XX/XXXX. On XX/XX/XXXX I requested my consumer report a second time from ChexSystems. This violates the law stated below.

15 U.S. Code 1681g - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. 
I XXXX am also attaching a invoice for Actual and Statutory Damages. I will also provide proof that ChexSystems Shared my information without my consent and the damage this shared information caused.
Consumer complaint received 2024-10-05
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-05
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 am a victim of identity theft. My information was used maliciously which affected my credit card usage. 

I have made an attempt to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the reporting agencies to resolve this issue but i have not received any help. 

The agency and furnisher are in direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Consumer complaint received 2024-10-05
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. (VA)

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile.

-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNTS ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Digital Account # XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX  ) ( US Bankruptcy XXXX  XXXX Ref # XXXX ) ( US BANKRUPTCY XXXX  XXXX Ref # XXXX )
Consumer complaint received 2024-10-05
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-05
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. (NC)

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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
Consumer complaint received 2024-10-05
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. (AL)

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 XXXX party. They in fact did not come from a XXXX 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 2024-10-05
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)

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has severely affected my life, causing considerable stress and XXXX. I must emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.