davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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)

I have contacted XXXX, Transunion, and XXXX XXXX XXXX on XX/XX/year> about this collection account that does not belong. In that dispute I requested the Validation of Debt and the removal of the account in question per 15 USC 1692g. Also in this dispute I requested : ( 1 ) Send me a detailed list of history of payments made by me on the account. ( 2 ) I want to seethe sigature that I put on a contract guaranteeing that I would pay this creditor. ( 3 ) I asked to see has there been any insurance claims filedon this debt by the collection agency or the original creditor. ( 4 ) I asked for proof that XXXX XXXX XXXX have the chain of title to collect on this debt. Also per XXXX XXXX XXXX, XXXX XXXX XXXX is not licensed or authorized to collect debt in the state of Tennessee. This proof will be attached.
Consumer complaint received 2024-06-11
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. (WI)

Upon reviewing my consumers report, I noticed there were multiple accounts listed that do not belong to me. I've never heard of these companies reporting. The accounts are as follows : Credit Collection Service ( XXXX  ) - balance {$480.00}, posted on XX/XX/XXXX Credit Service Inter XXXX XXXX XXXX XXXX ) - balance {$1700.00}, posted on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX- balance {$480.00}, posted on XX/XX/XXXX XXXX XXXX XXXX XXXX balance {$2200.00}, posted on XX/XX/XXXX XXXX
Consumer complaint received 2024-06-11
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)

I dispute the inquiry listed on my credit report as I did not authorize it. According to 15 U.S.C. 1681, section 602A, I am entitled to privacy rights, and under 15 U.S.C. 1681, section 604A, Section 2, it is clearly stated that a consumer reporting agency can not furnish an account without my explicit written instructions. 

As I did not provide authorization for this inquiry, it is in violation of my privacy rights and the aforementioned statutes. I request that this unauthorized inquiry be promptly removed from my credit report to ensure its accuracy and compliance with federal regulations. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to resolve this dispute in accordance with the law.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

I have had my bank account with Truist for over 2 years. Theres isn't any fraud on my account obviosuly as they would probably reverse a payment or completely close my acct. This is there second time locking my account. They said I needed to walk in with 2 forms of id. I have walked in 3 branches showing them all my documents and they all refuse to still unlock. Customer service has told me over the phone multiple times I just need to go in to verify my identity and I have done that and they still wan na hold my money. I think Truist is trying to really steal my money. I can't pay my bills and am late because they have decided to hold/borrow my money for themselves. If Dont already. Do not bank here!
Consumer complaint received 2024-06-11
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)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK (LA)

I booked an appointment on XXXX with a hairstylist who unfortunately was very unprofessional and rude. She changed my appointment last minute causing me to miss several appointments I had scheduled that day, XX/XX/2023 ( approximately ). I took the style down the next day because it was hurting my head and pulling my hair out. I reached out to her on several platforms and also reached out to my bank requesting a refund. I submitted messages between myself and the stylist showing that she agreed to issue a refund. The 'merchant " 'XXXX  ' is not the one who is responsible for issuing refunds. It is solely up to the stylist. I have called my bank, Discover, and stated this numerous times and they will not listen to me. I have experienced discrimination and been treated terribly by nearly everyone in the disputes/investigations division. They are very short and argumentative with me and someone told me I could have fabricated the messages and they are going to side with the 'merchant ' because my documents are not 'authentic. ' I have been a customer for XXXX years and have never been treated like this by them. I need something to be done about the discrimination and unfair treatment that occurred. Preferably I would like my {$120.00} back like the stylist agreed to issue because that is the only XXXX who can agree to the refund, not 'XXXX  ' like the people at Discover think but they refuse to listen or believe me.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public law 91 506 title vi section 611 subsection A-D provide the names and business addresses of each individual with whom you verified the above account, so that I may follow-up. Please send me an updated copy of my report after your reinvestigation.
Consumer complaint received 2024-06-11
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. (OR)

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 2024-06-11
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)

The fraudulent, incorrect, and misleading information on my credit report remains unresolved despite my numerous efforts to address it. The presence of these items has severely impacted my life, causing me significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX Balance Owed : {$440.00}
Consumer complaint received 2024-06-11
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)

In accordance with the fair credit reporting act XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

FCRA section 605 ( a ) ( 5 ) generally prohibits the reporting of any adverse item of information... which antedates the report by more than seven years.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting a dispute to have these errors investigated, as the accounts are wrongfully reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumers report.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the inaccurate credit information reinserted into my credit file, specifically : Account Name : XXXX  / XXXX XXXX Account Number : ( XXXX ) Credit Information : [ 30 day late payment XX/XX/year> ) This information was previously disputed and corrected, but has been reinserted into my credit file. I request that you immediately remove this inaccurate information and provide written verification of the correction. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I request the Investigate this matter and correct my credit file within 15 days from the receipt of this letter Provide a copy of my updated credit report Notify the furnisher of the correction Please note that I have attached supporting documentation to this letter, including the supporting documents,
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to remove listed incorrect information on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
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. (FL)

I disputed accounts on my credit report that were opened during my incarceration and provided proof of incarceration, after the so called investigation it was verified as accurate and it cant be possible or proven that I opened the accounts on question I seek immediate compliance with law and request all compensation due for the negligence and failure to obey the law which has caused me much difficulty at this time while trying to purchase a home
Consumer complaint received 2024-06-11
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. (VA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE 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 2024-06-11
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. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Hello, I am reaching out due to excessive interest charged on my account, specifically on amounts under dispute. I bought furniture from Ashley Homestore from XXXX, TX on XXXX. The furniture was finally delivered on XXXX but a few of the products were defective, specifically, the dresser, mirror and the bed headboard amounting to {$1500.00} including taxes. We immediately contacted both Ashley Homestore and later disputed with My Synchrony and we were assured that we wouldn't have to pay for that until the furniture were delivered. 

Fast forward to XXXX, 2023, we still hadn't received the right products even after acknowledging the issue and confirming swift action, but wasn't delivered until XXXX, 2023. However, My Synchrony started charging extravagant amounts of interest, around a XXXX dollars. I've contacted their customer service and they re-disputed the charges which made Ashley Homestore take action immediately this time by delivering the products in a couple of days. However, the charges related to products not delivered were still there and I was held liable for that and was denied any support from My Synchrony. This meant that I was accumulating interest for products that I never received.
Consumer complaint received 2024-06-11
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. (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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (FL)

when i finally got my credit usage to below 50 % after paying it down for over a year, they lowered my credit limit to what my current balance was, making my credit usage 100 % and losing me XXXX points on my XXXX XXXX. when i paid half of the remaining balance to once again get it below 50 % usage, my XXXX XXXX goes down another XXXX points because grain reports that my account is closed, which it was *not*. i still had the option to close my account on the app. due to this and many other grievances i have with this company, i just paid off the entire thing on XX/XX/XXXX. ive disputed the account twice since then because they are still reporting that i owe them 45 % of my credit usage, to this day. i literally did the right things paying my debt and my credit went DOWN that is so not fair i waited so long.
Consumer complaint received 2024-06-11
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 efforts, the issue of fraudulent, inaccurate, and misleading information on my credit report remains unresolved. The presence of these items has severely impacted my life, causing me significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-11
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. (FL)

Subject : Complaint Against TransUnion for FCRA Violations Regarding XXXX  XXXX Accounts To Whom It May Concern : I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) concerning two XXXX  XXXX accounts listed on my credit report. Despite multiple disputes, these accounts continue to inaccurately show a charge-off balance, which is a clear violation of the FCRA. Additionally, these accounts are not being reported consistently across all credit bureaus, which further suggests inaccuracies. 

Details of the Complaint : Inaccurate Reporting : Both XXXX XXXX accounts on my TransUnion credit report are inaccurately showing charge-off balances. 
Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information.

Despite multiple disputes filed with TransUnion, the inaccurate information remains on my credit report.

Failure to Conduct a Reasonable Investigation : TransUnion is obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable investigation when a consumer disputes the accuracy of information. 
The persistence of inaccurate information suggests that no reasonable investigation was conducted. 
Inconsistent Reporting Across Bureaus : The XXXX XXXX accounts in question are not reported on my credit reports from other major credit bureaus. 
This inconsistency further supports the argument that the information reported by TransUnion is inaccurate and should be corrected or removed. 
Request for Immediate Action : I request the immediate removal of both XXXX XXXX accounts from my TransUnion credit report. 
Continued reporting of inaccurate information is damaging my creditworthiness and is a violation of my rights under the FCRA. 
I appreciate your attention to this matter and expect a prompt resolution. If these inaccuracies are not corrected immediately, I will consider taking further legal action to enforce my rights under the FCRA. 

Thank you for your assistance.