davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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. (PA)

Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my frustration, the late closed account and inquiries remains on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is crucial that this inaccuracy is promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that you would help me conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracy. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. Please help remove these items immediately : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-08
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. (NY)

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.
Consumer complaint received 2024-06-08
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. (TN)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information w
as 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 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Consumer complaint received 2024-06-07
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. (TX)

There are multiple inaccuracies when reviewing my credit report, the dates open on many of my credit cards are inaccurate and inconsistent across all XXXX bureaus as well as their are miscellaneous inquiries on my account by the thousands from XXXX or more entities who have been accessing my account on far too frequent of a basis causing my credit score to be impacted heavily, also my credit score is no where near reflecting the accuracy of my credit payment history and utilization I only have XXXX credit cards showing late payments and my score reads incredible low compared to Great amount of on time payments history and credit rapport I've built up over time,
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I believe that Citi 's practices credit card practices ( specifically as it relates to fraud alerts ) are inconsistent, unfair and deceptive. 

On Thursday, XX/XX/2023 XXXX XXXXXXXX XXXX EST, after trying to make a purchase online that was declined, I received a fraud notification via text message to call XXXX. After calling and being on hold for 2 min, I was told no representatives are available and the line was disconnected. 

I then called the number on the back of my credit card XXXX XXXX XXXX The representative was able to authenticate my account and reviewed several transactions confirming that there was no fraudulent activity. I was assured that my account was fine and ok to use. After hanging up with the representative, I attempted the transaction again and it was declined. 

I called back again at XXXX using the same number. The representative was unable to authenticate my account using the same information. 

I logged into my Citi app to view my account and there was a fraud notification with a number to call. I called that number ending in XXXX and spoke to a representative XXXX XXXXXXXX XXXX who was able to authenticate my account using one of the numbers previously provided. I repeated the process and after verifying the activity, which was already verified approximately an hour previously, I was assured that my card is ok to use and there are no longer any issues. I stayed online with the representative to try and submit the transaction using XXXXXXXX XXXX and it was declined. I was advised by the rep to type the card number in instead as the issue may be with XXXX XXXX. After typing in the card number, I submitted my transaction. 

This time, the declination took almost 2 hours. At XXXX XXXX I received an email from the merchant that the transaction was declined. 

I noticed this at XXXX XXXX and called all the same numbers and was told the methods used to authenticate is not working. I would have to wait for a letter in the mail to authenticate. 

I asked to file a complaint and was told they could not take a complaint until they authenticated my account. I asked for an explanation as to why am I receiving different information, and no one would tell me. 

The declinations on my account did not start happening until after I accepted an offer that popped up in my app for a lower interest rate for charges made for a limited time period on XX/XX/XXXX. It is the only reason why I even decided to use the card. Ever since then, my card has been randomly declined for purchases. The first two declines were on XX/XX/XXXX, of which I did not receive a fraud notification or communication from Citi. One was online and the other was with my actual card at a doctor 's office. 

I called different numbers for the credit card as I did earlier in the day at XXXX and XXXX and no one would help to file a complaint. I had to had to call the number on the debit card to be able to file a complaint. That complaint number is XXXX.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio recovery services located in Virginia never sent purchase agreement for debt of any kind relating to debt .There 's been no communication between the company and I. Credit report states debt. NO arbitration was offered from company and there's a binding arbitration clause in the Credit card disclosure. I'm disputed through XXXX  and XXXX  with no resolution. There's been no validation of a legal verification that responsibility of the debt.
Consumer complaint received 2024-06-07
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)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
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 sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2024-06-08
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Another loan accidentally was drawn out of my account twice, causing a deficit in my bank account which in returned cause my other auto payments to not be honored, like the one in question ( CareCredit ) - I contacted the auto loan bank that caused the deficit and they processed a refund of overpayment but prior to that being returned CareCredit tried to draw my payment out a second time, which was rejected again. They then closed my account without any notice to me prior. They stated to be it was due to my payment being rejected twice. Prior to this I had not missed one payment and I honored the mixed up payment within 5 days of it happening. I know others who have accounts with the CareCredit lender ( Synchrony bank ) that have been late with their payment multiple times but did not have their account closed!
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (MS)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-06-07
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. (MI)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of
information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NJ)

Every month since I opened my Apple Card account in XXXXXXXX XXXX XXXX, I receive an XXXX notification that payment is due, and every month I have responded and paid in full and on time. Yesterday was XX/XX/XXXX, and payment was due, but I did not receive any notification. I had not changed any settings. I realized it this morning ( XXXX ) and paid the card in full and asked to waive charges ( interest ) related to the several hours between when payment was due and when I paid in full - because they had neglected to send the notification that I had come to rely on. They said I should have known it was due and they have no obligation to send the notification. That may be true, but I was lulled into a sense of dependence on the notification - I feel they may have not sent them this month on purpose and maybe to many customers, perhaps because Goldman Sachs is getting out of the Apple Card business, they want to trick customers into paying a lot of interest. I wanted to bring it up with you in case you get many complaints.
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

scammers!!!! they are incredible doing everything to keep you in verification loops so you can not get your funds! 
I have received money to my paypal fundraiser! I dont want to keep the money in paypal but they ARENT LETTING ME WITHDRAW TO MY BANK! THEY KEEP ME IN CRAZY VERIFICATION LOOPS. NOW THEY WANT ME TO USE MY PHONE TO ULOAD MY ID! THIS IS MAD I DO NOT HAVE A XXXX XXXX! THERE IS NO OTHER WAY TO UPLOAD ID DOCUMENT! SUPPORT IS SENDING GENERIC MESSAGES! COPY PASTE! ITS JUST A LOOP FOR THIS SCAMMERS TO NOT PAYOUT FUNDS!
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

In the month of XXXX, Wells Fargo Bank closed my personal account # XXXX XXXX XXXX and my business account # XXXX under the name XXXX XXXX XXXX both at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX, after the closing month of WELLS FARGO BANK where they were supposed to send me the funds and I called them and they told me that the checks deposited in my account came from the XXXX XXXX of the company XXXX XXXX XXXX were cancelled. I contacted the owner of said company and we assisted her bank to verify if this was correct and it was not, nor did her company make the request for the reimbursement of said funds, nor did the XXXX bank itself do this, that is, wells fargo has the money and XXXX can't do anything, and I tried to get the WELLS FARGO bank to give me my money which they have and they have refused to do so. my personal and business account were finally closed on XX/XX/2023. # XXXX XXXX XXXX {$15000.00} and # XXXX XXXX XXXX  XXXX {$42000.00}. 

Even as of the current date XX/XX/2023 I have not obtained my funds from my WELLS FARGO bank accounts.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

All of the following transactions were not authorized by myself- Chase Bank have not refunded these. I have raised a report with XXXX XXXX police department. I would like the transactions to be refunded as i did not authorize these transactions and i when these transactions occurred i was on XXXX XXXX 


XX/XX/XXXX XXXX XXXX - XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card- {$140.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX CA XX/XX/XXXX ( ... XXXX ) Card- {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX XXXX XXXX XXXX ) Card- {$350.00} XX/XX/XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX - XXXX XXXX  XXXX XXXX NV XXXX XX/XX/XXXX ( ... XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( XXXX XXXX XXXX XXXX {$43.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX ) XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX NV XX/XX/XXXX ( ... XXXX ) Card- {$98.00}
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with XXXXXXXX XXXX XXXX XXXX  XXXX 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 in XX/XX/year>, XX/XX/year> and XX/XX/year> 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. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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