davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

To Whom It May Concern, I am writing to file a complaint regarding the way my credit card payments are being distributed between my Regular and Equal Pay/No Interest accounts with Lowes Synchrony Bank XXXX My assumption was that when a payment is made to my credit card, the store purchases are paid off first and the remaining amount is paid towards the Non-Interest amount. However, the bank has it set by default to distribute the payment evenly ( by percentage/or flat {$3.00} minimum? ) between the Regular, interest accruing account and promotional non-interest accruing account. I was not given an option to choose how my monthly payments are distributed. 

When I spoke to a representative about this issue, they stated that I would have to call and file a request to payoff the Regular balance, making XXXX not necessarily auto pay. This is an unreasonable solution, as it puts the burden on the customer to make sure that the payments are being distributed correctly. 

For instance, the account is split between Regular ( {$65.00} ), XXXX XXXX/No Interest ( {$2500.00} ), and XXXX XXXX/No Interest ( {$1100.00} ). I made an Automatic payment of {$120.00}. The payment deductions were as followed for Feb/March/Apr statement : Regular ( - {$3.00} ), Equal Pay/No Interest ( - {$83.00} ), Equal Pay/No Interest ( - {$39.00} ). There is a MINIMUM {$2.00} INTEREST CHARGE. If I weren't to catch of to how my payments were being distributed, this {$65.00} balance in reality would equate to {$100.00} ( {$64.00} purchase + {$44.00} accrued {$2.00} interest over 22 months ). 

( $ XXXX {$3.00} per month ) = ceiling ( XXXX ) = 22 months. 
22 months * {$2.00} INTEREST/MONTH = {$44.00} I believe that this practice is unfair and deceptive, as it prevents customers from paying off their high-interest debt first, and ultimately results in customers paying more interest charges over time. I request that Lowes Synchrony Bank change this practice immediately, and give customers the option to choose how their payments are distributed. 

Thank you for your attention to this matter. Please let me know if you need any additional information from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-09
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-06-10
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-10
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-10-27
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX 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 2024-06-08
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. (OH)

Over the last year I have requested the credit reporting company ( TransUnion ) to reinvestigate their findings as they are inaccurate. I have sought information regarding who they spoke with, when, what's their position, and many other questions regarding these accounts reporting 12 late payments regarding the incorrect information involving a company named ( XXXX ). This company purchased student loans and ended up reporting 12 late payments in a span of 6 months, when the accounts there were 2, loan 1 and loan 2 while the accounts were on auto pay with previous student debt companies, also the accounts were in forbearance during their XXXX purchase of the 2 accounts. After their purchase of the student loans, they placed new account numbers without notification, and immediately reactivated payments without any notification, the accounts were previously XXXX XXXX XXXX, and then XXXXXXXX XXXX during this purchase period of XXXX something in their system caused a reactivation of payments without notification. I have reached out to both TransUnion and XXXX, and both send very border plate response letters saying they have investigated and everything 's accurate without providing any additional information. I recently mailed ( XXXX ) certified return receipt mailing and ( XXXX ) has not responded to my request for information. The Fair Credit Reporting Act tells companies how credit reporting disputes should be handled. According to federal law, if a consumer disputes directly with the furnisher the accuracy of information thats been furnished to credit reporting companies, the furnisher is required to conduct a reasonable investigation about the dispute. After completing this reasonable investigation, the furnisher is required to report the results of the investigation to the consumer generally within 30 days. In this situation the furnisher ( XXXX ) has not responded in over 45 days.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have spoken with them many times on the phone over the years trying to get information on the account but I never received anything. I started learning about credit and the consumers that buy our debt and the laws and rules they have to abide by the company. Has ignored my request for information to be mailed to my residence, so I wrote them a letter asking them to update my information such as wrong addresses that they have on my credit report. Its been close to two  months since the letter has been sent out I have not heard anything back. 

The incorrect addresses that are non mailable XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa
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. (FL)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-06-10
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-10
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)

I am writing to formally contest the inclusion of fraudulent account in my Transunion credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this account persist on my Transunion report. After uncovering this fraudulent account, I contacted the relevant bank, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged this account from their records after verifying its fraudulent status. I am puzzled as to why Transunion continues to report this fraudulent account, especially since the other credit bureaus have already removed it. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

XXXX XXXX
Consumer complaint received 2024-06-09
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. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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/2024 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 2024-06-10
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. (NJ)

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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-09
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-10
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)

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX
Consumer complaint received 2023-10-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

I redeemed an Amex Giftcard with a value of {$500.00}. I made a purchase on XXXX, XXXX, XXXX, and XXXX and all were declined even though i have {$500.00} to use. I called the number on the back of the card and was not able to speak to a customer representative. All they had was automatic response that did not help resolve my issues.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have reached out to the credit agencies numerous times to update my personal information and I have not had any success because nothing has been updated so I am reaching for help. To verify my identity I have enclosed a copy of my ID with my correct address I also upload my social and bill
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I am a victim of identity theft, I have tried numerous ways and times to communicate with the companies but have been shown negligence on their end! 
This account was not transacted by me! XXXX XXXX Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I am being harassed over and over about this alleged debt that IS NOT MINE! With the numerous amount of complaints i have submitted i am positive i have enough for a lawsuit! 
I have been in communication with the consumer finance protecetion bureau, the FTC, all three credit bureaus and the original credit for OVER TEN MONTHS FOR AN ACCOUNT THAT IS NOT MINE! 
I am in talks with an attorney and honeslty i just want to have this over with! 
Please do what THE LAW REQUIRES AND DELETE THIS TRADELINE FROM MY REPORT IMMEDIATELY!!!!!
Consumer complaint received 2024-06-10
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. (NJ)

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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. (AR)

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MA)

A credit card was fraudulently opened under my name in XX/XX/XXXX.i never applied nor had this card and Ive been disputing as well as made a police report on this as well, a gentleman by the name of XXXX XXXX stole my identity opened auto loans and credit cards and also stolen my father information and opened business cards under his name and took {$19000.00} out of one card through a XXXX  app
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I looked at my TransUnion, XXXX and XXXX credit report on XX/XX/XXXX and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXXXXXX XXXX XXXX XXXX the account numbers on TransUnion is XXXX, the account number on XXXX is XXXX and XXXX is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXX XXXX XXXX XXXXXXXX notice is the fact that the comment section on each report is different, TransUnion comment section states purchased by another lender, XXXX comment section has nothing stated and XXXX comments states Charged off Account. This does not match up on all three reports..Another inaccuracy is the fact that the date of last activity for the XXXX XXXX / XXXX account does not match up on all three accounts. The date of last activity on TransUnion is XXXX XX/XX/XXXX, on XXXX is XX/XX/XXXX and on XXXX XXXX XX/XX/XXXX. All three dont match another violation. 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 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ XXXX ] of any information disputed.