davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally lodge a complaint against TransUnion for their use of stall letters in response to my legitimate disputes, which has significantly delayed the credit correction process more than twice ( XXXX plus + days ). Despite providing all necessary identification information, TransUnion has consistently failed to remove inaccurate items from my credit report, which is not only frustrating but also against the law. I have even submitted all required identity documents within my dispute letter, assuring that the letters are from me. 

These actions by TransUnion have undermined the integrity of the banking system and have violated multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). I believe that their conduct has breached at least the following XXXX provisions of the FCRA within 15 U.S. Code 1681c. 

Despite multiple attempts to resolve these issues, including the submission of my identification information, TransUnion has persisted in its use of stall letters as a tactic to delay compliance with my legitimate requests. This behavior not only demonstrates a blatant disregard for legal requirements but also significantly impacts my financial well-being. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate TransUnion 's practices and enforce compliance with federal laws. I urge you to compel TransUnion to promptly address and correct the inaccuracies in my credit report and to cease using stall tactics in response to consumer disputes. Furthermore, remove all accounts that are not complaint with XXXX reporting. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and will provide any further documentation or information required to support my complaint.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I filed an identity theft report with the FTC, naming an account with XXXX ( XXXX XXXX ). Despite repeated disputes and CFPB complaints and an ID Theft report, TRANSUNION and XXXX have failed to remove the tradeline, while XXXX deleted it promptly. XXXX has also not addressed the identity theft properly, continuing to report the inaccurate account without validating the alleged debt, in violation of the FCRA and FDCPA. Despite requesting a cease in communication, unauthorized reporting persists, causing ongoing harm to my credit profile and significant stress.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-02-29
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. (NC)

I explained ti transunion there were fraudulent inquiries and accounts being reported in my consumer report. I provided an identity theft report and requested block and removal for these fraudulent accounts. Transunion has failed to block and remove these accounts according to the FCRA and various consumer protection laws pertaining to identity theft.accounts associated to identity theft are listed below and have been removed by both XXXX and XXXX. 

Accounts : XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

Creditor you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

20 15 USC 1637 ( b ) is very specific on all required information need or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX : XXXX XX/XX/XXXX- XX/XX/XXXX 2024
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

To whom it may concern I XXXX XXXX seem be having a problem with Equifax report inaccurate or wrong information on my credit report I have a collection account fair collections & outsourcing {$5000.00} thats been off my credit report for months and now on XX/XX/XXXX th 2024 it magically reappeared on my account this unfair debt practices and needs to be removed back off my account
Consumer complaint received 2024-05-26
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: EQUIFAX, INC. (FL)

I was looking over my consumer report and I saw the account listed below. I am confused on why this account is showing on my consumer report. I do not remember receiving any disclosed information about this account being able to report to such third parties as XXXX, XXXX, and Equifax. 
Account Name : XXXX : XXXX Account Number : Could you please send all my disclosures per USC 6802 ( b ) that should have been conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( XXXX, XXXX, & Equifax ). I understand I have an obligation to pay on this account, but I do not want my personal nonpublic information displayed to third party consumers. 
I do not mean to come off too forward, I am just exercising r rights to opt out of having my information reported per 15 U ; 6802. 
Could you please either send my disclosures showing my written permission to display my personal nonpublic information to these third parties or delete these accounts from my consumer report? 

Respectfully, XXXX XXXX I they have all my loans in DEFAULT DUE TO INCOME except these 3. They have also changed the loan providers name. 

I have contacted them time and time again to explain to me why these 3 are not in XXXX or default as well.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (FL)

I am writing to inform you of a pressing issue regarding identity theft, which has resulted in multiple fraudulent entries appearing on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent and require immediate attention. 

ACCOUNTS 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 have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-11
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. (GA)

I Have been recently reviewing my credit and looking over the fair credit reporting laws and see that the company XXXX XXXX XXXX with account number ending in XXXX shows an account was opened XX/XX/year> for a dollar amount of {$1400.00}. this information is inaccurate. I do not have any contract with this company that is reporting to all credit bureaus. This debt buyer has access to my personal information without my consent which violates FCRA... THIS DEBT BUYER IS SHOWING FROM OTHER COMPANY LIKE CREDIT KARMA THAT THEY ARE THE ORIGINAL CREDITOR AND THIS INACCURATE.THE FDCPA RESTRICTS HOW DEBTS COLLECTORS CAN COMMUNICATE ABOUT MY DEBTS. SECTION XXXX ( B ) OF THE FDCPA.I AM ASKING THAT THIS DEBT COLLECTOR INFORMATION BE DELETED AND REMOVED FROM ALL CREDIT BUREAUS AGENCY. THIS INFORMATION IS INACCURATE AND I DO NOT OWE A DEBT TO XXXX XXXX LLC..THEY HAVE ACCESSED MY INFORMATION ILLEGALLY AND IS VIOLATIONS FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

Fraudulent Hard Credit pull from these companies on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX SYNCHRONY XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to formally complain about the handling of my credit report disputes and the ongoing inaccuracies present in my credit file. Despite multiple attempts to correct these errors, these companies has failed to resolve the issues satisfactorily and has updated the accounts inaccurately as correct. 
Instead of correcting the inaccuracy, my credit report was updated to reflect the account as accurate, despite the evidence proving otherwise. Furthermore, there has been a lack of follow-up or communication regarding the status of my dispute. 
This ongoing issue has not only negatively impacted my credit score but has also caused significant distress and inconvenience. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair information on my credit report. The failure to correct these errors, combined with the lack of proper follow-up, is unacceptable and does not adhere to the regulations governing credit reporting agencies.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

In XXXX  someone used my identity to fraudulently apply for a Barclays XXXX XXXX. Barclays approved the application and the person proceeded to purchase items from an Old Navy store in Ohio. Total charges over {$360.00}. 

I received a delinquent payment letter in XXXX  and called Barclays to tell them I do not have a credit card with them. I reported this as fraud, and they said they would perform a thorough investigation. After investigating, they told me I was responsible. I was able to get a copy of the credit card application which had some accurate information but also had inaccurate information. 

Barclays said they would perform another thorough investigation. Soon I received another letter stating I was responsible for the charges. 

This has gone on for 2 years and multiple phones calls with Barclays. When I call Barclays I get routed to many departments ( Fraud, Collections, customer service, etc ) but it is still not resolved. 

I then sought the help of XXXX XXXX identify theft department. XXXX ). XXXX XXXX called me, and we discussed it and then had a conference call with Barclays. 

They have finally agreed that the application was fraudulent but that I still owe them the money! That doesn't make sense. 

I have filed a police report with the XXXX Texas Police department. The report number is XXXX. I have also reported this to the Consumer Protection agency of Texas.
Consumer complaint received 2024-09-12
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. (FL)

I am writing to inform you of a pressing issue regarding identity theft, which has resulted in multiple fraudulent entries appearing on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent and require immediate attention. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX  XXXX - XXXX XXXX INQUIRIES- XXXX XXXX XX/XX/year> - XXXX XX/XX/year> XXXX XXXX XX/XX/year> - XXXXXXXX XXXX XX/XX/year> - XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XX/XX/year> - XXXX XXXXXX/XX/year> - XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XX/XX/year> I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I didn't apply for anything from the following companies and the hard inquiries need to be removed from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-26
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. (CA)

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 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

This involves a Chase XXXX XXXX ) credit card. On the XX/XX/XXXX cc statement I saw a charge in the amount of {$2200.00} made at XXXX XXXX. I do not know the exact date that I called Chase in XXXX to report the fraud. They sent me a new card and took the charge off my statement. I thought the matter was settled. I dont use that credit card often and just make the monthly payments. On XX/XX/XXXX, I noticed that my balance was high. Chase had reinstated the charge from XXXX XXXX in XX/XX/XXXX! I have been paying high finance charges for this fraudulent charge since XXXX. I called XX/XX/XXXX and was told to call back on XX/XX/XXXX, which I did. The person I spoke with told me that they found that no fraud occurred. I was told that the purchase was made in person at the XXXX XXXX in XXXX West Virginia. He said they made that determination due to charges occurring after the XXXX purchase and that the card was not reported lost or stolen. I explained that I did not know Chase NEVER notified me that their determination was " no fraud occurred. '' I asked if they have the receipt from the purchase so I could see the signature or did they see video of the person who made the purchase. I was told that " It is not our job to do that, retailers dont like to deal with banks. '' He told me to contact the store myself. I called XXXX. They said that I would have to file a report at my local police department. I called XXXX XXXX Police and spoke to XXXX XXXX. He filed a report on my behalf.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
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. (NY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/year>
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (FL)

Supervisor XXXX on XXXX XX/XX/year> Hung up and refused to provide confirmation of dispute being re opened I am requesting confirmation Your dispute dept are hangin up and I have records of the phone calls Therefore your company making it impossible to check the statuss, open a dispute cause online didnt work Anything related to dispute items Your company not allowing and its against the law. 
Its an ongoing issue from Citibank