davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in Direct Violation of The Fair Credit Reporting Act. These companies have violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove the late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Thank you for your assistance with clearing up this matter and recognizing my rights as a consumer. 
I HAVE NOT SUPPLIED PROOD UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT. THESE COMPANIES ARE VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S.C 1681-B2COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. THESE ACCOUNTS ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER MY CONSUMER RIGHTS PER THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (OH)

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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have formally written multiple letters to dispute the validity of a debt that XXXX XXXX, and other credit agencies claims I owe. These agencies are using illegal tactics and unfair practices that has resulted in inaccurate and incomplete credit information. I have notified the agencies violating my rights as a consumer that never voluntarily surrendered any vehicle nor have I ever made a late payment. the vehicle was fully paid off ( {$14000.00} ). This happen in 2018, and I been continuously contact them for over 5 years to make these corrections. I have also requested the document bearing my signature of the voluntary surrender for the vehicle to the lender, which they fail t do so. I will take a legal actions against any person ( XXXX ) if this is not corrected. please consider this latter as a formal dispute of the reported debt. Thank You
Consumer complaint received 2024-07-30
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. (NJ)

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 15USC 1681 Account Name Credit Card Account number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX 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 : Its 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 1681sXXXX2 ( 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 2024-09-25
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: EQUIFAX, 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.

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.
Consumer complaint received 2024-07-30
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. (OH)

Upon further review it has come to my attention that I have been victimized by identity theft and there are currently XXXX fraudulent accounts and XXXX UNAUTHORIZED INQUIRIES XXXXXXXX XXXX on XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX ran it twice on two separate occasions, XXXX and XXXX to all three of the credit bureaus. I have filed a police report with the XXXX Police Department and submitted a complaint the CFPB Consumer finance protection bureau. I am currently disputing these accounts with all three Credit Bureaus as well.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XX/XX/2023, I tried accessing my CITI bank mobile app and website. I couldn't log in. I called customer service and they said there is a BLOCK on my account and forwarded the call to the fraud department. 

They said there is an incoming transfer that is marked as fraud. But I have all the evidence that I made this transfer from my financial institution. In fact, this is the third transfer that I did to this savings account from the same financial institution which is called " XXXX '' Now, I have checking account as well. Even that I can not access and it has funds and even that was deposited by me from other financial institution. So please return my all the money in both checking and savings account. 

Attaching my proof of transfer to my Checking account and Attaching my proof of transfer to my savings account and also proof of XXXX  account that belongs to me which is used to transfer to my savings account
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX of 2023, I went to the TJ Maxx Marshalls store and I purchased went to the counter to purchase some clothing and they told me my car did not work after looking and calling. They said that my account was closed. I did not receive any notice. No one told me anything I tried asking why they closed my account without any notice and they said that they they told me that the account was closed. My bill was paying on the monthly and then a month or two and then they started charging me saying that I was late on my payment and that I needed to catch up and I said well wait you guys close my account and cause me to be late and now youre charging me late fees so I thought that because of their lateness to notify me and no notice I dont feel that I owe this
Consumer complaint received 2024-07-30
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)

My account with those acounts was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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.

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 2024-07-30
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-31
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 writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-31
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. (TX)

I would like to follow up in regards of my previous dispute and I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review and help me these items to be removed as soon as possible in my credit file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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. (TX)

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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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.

( CREDITOR NAME ) 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 2023-02-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SANTANDER HOLDINGS USA, INC. (DE)

Simply attempting to payoff my HELOC account - Santander failed to post the payment I sent - {$12000.00} and double charged interest which is highlighted in the XXXX statement which I included. They acknowledged posting an incorrect payoff amount by sending me a check for {$5.00} - but how is that legal or an accepted practice? 
Secondarily - total credit balance should be {$88.00} after the {$1400.00} payment at the end of XXXX- see below : Balance after the {$1400.00} payment was made : {$12000.00} XXXX - interest due for the statement period as summarized on the statement XXXX - satisfaction fee {$12000.00} - should be total due There were two payments sent : {$170.00} - pulled automatically - but additional interest was taken out of this payment not captured in the summary {$12000.00} - balance payoff sent- though not applied as such - can provide documentation if necessary {$13000.00} - total payments sent The difference between balance due and payments sent should be a credit of {$88.00}. 

The bank has already said they closed the account and my concern once. I've asked them to review again - based on above. 

This is simple math that a citizen shouldn't be fighting with a bank over.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AE)

My accounts was never late! I have had exceptional payment history with 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 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 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CO)

I've requesting a second look into reviewing my missing funds of {$4000.00} removed by Chase Bank on XX/XX/2023. The check was deposited on XX/XX/XXXX via the Chase Application on XX/XX/XXXX. The deposited check does show it was added to my balance on XX/XX/XXXX with the provided Chase bank printout provided by the bank. Chase bank is stating that this same check was presented in a different financial institution on XX/XX/XXXX and to contact XXXX and the maker of the check. The maker of the check is myself since I own XXXX XXXX XXXX, and this {$4000.00} dollar is my salary to myself. I also did provide bank statements and a letter from XXXXXXXX XXXX stating this check has only been presented once, so actual proof that it was paid to Chase alone. I've uploaded statements from both Chase Bank and XXXXXXXX XXXX XXXX statement showing the check was cashed once and not presented twice. I've also provided a letter from my bank at XXXXXXXX XXXX that the check was only ever presented once. If it has been presented to cash anywhere else including a check cashing facility, it would show up on my XXXXXXXX XXXX account as returned for duplicate item or paid, it is nether. The only bank who received these funds was Chase Bank. This second letter from my banker has his direct line to confirm this fact. They've ignored the letter provided and have not returned my banker phone message at XXXXXXXX XXXX to confirm this as a fact.
Consumer complaint received 2024-07-30
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. (GA)

This is my 9th attempt to get transunion to remove the closed XXXX XXXX XXXX account # XXXX that appeared on my credit report. It is fraudulent/merged file identity theft. I provided the FTC and police reports along with multiple Transunion and CFPB disputes. 

Transunion keeps responding that the account has come back UN VERIFIED but have yet to remove the inaccuracy from my credit report. 

The name reporting attached to this XXXXXXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> is XXXX XXXX XXXX XXXX. My name is XXXX XXXX. 
Per the FCRA 15 U.S.C 1681c-2 section 605B : ( a ) Block. Except as otherwise provided in this section, 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 days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section