davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-05
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. (SC)

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. These are the following accounts need to be removed :
Consumer complaint received 2024-06-05
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)

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

This was clearly a billing error made 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 my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as
late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-16
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. (NY)

I submitted a Dispute with Chase bank regarding {$280.00} XXXX worth of fraudulent charges and reported my card lost/stolen and had my card shut down. Chase issued a temporary credit and then reported that they have found the charges to be mine. 

I called in to change bank on XX/XX/16 and was told there is no re-open process to re-open my fraud claim and that I would just have to accept the decision. I explained that I would be getting an attorney involved as well as reporting the incident to the better business bureau. 

My account was charged multiple small charges over a span of about XXXX days which should have immediately alerted chase to fraud. These charges were as an example, XXXX charges for {$2.00} at a deli ( should have been flagged immediately as fraud ), several charges from a smoke shop, XXXX years of having an account with Chase I have never shopped at a smoke shop because I dont smoke, talk about unusual spending which is definitely a red flag and additional charge in XXXX XXXX XXXX and XXXX no where near where I live. 

Chase refuses to resolve this dispute as my banking institution. On the recorded call the Agent stated that because XXXX charges in between the fraudulent charges were mine, they declined my fraud claim, which makes absolutely no sense as these charges are from online vendors in which my card is already saved and I did not need my physical card in my possession to make the purchase. Then I was transferred to a XXXX that was equally unhelpful who stated that they just can not find any fraud and why did I wait so many days to notice the fraud charges. 

I refuse to allow {$280.00} of money that I did not spend be taken from me when I have never had any fraud issues in my account.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (AZ)

NOTICE TO AGENT IS NOTICE TO PRINICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your comapny notice purasuant t 15 usc 1602 ( k ) that your company never provided an adequate notice which cleary and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 usc 1602 ( k ) the term " adequate notice '' means a printed notice to a cardholder which sets fort the pertinent facts clearly and comspicuously so that a person against whom it is to opperate could reasonably be expeced to have noticec it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement or account, issued to the cardholder, or by any other means reasonably assuring the recipt therof by the cardholder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a volation under 15 usc 1602 ( k ) Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the the transaction therefore made an uniformed decision and it resulted in multiple billing errorsm and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) the term 'unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request that you do the below-mentioned things : Enter your request here. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX If you accept my request, I will not escalate this matter to the Federal Court. In case you do not accept the above request, legal action shall be taken against your company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2023-11-07
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: SYNCHRONY FINANCIAL (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below SYNCB/RMSTGO XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-06-04
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-05
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. (KY)

am writing to bring to your attention a matter concerning a fraudulent automotive inquiry associated with my name. Upon reviewing my credit report dated XX/XX/year>, I noticed an inquiry from your institution regarding an automotive transaction that I did not initiate nor authorize. 

This unauthorized inquiry has potentially negative implications on my credit profile, and as such, I kindly request that you remove it promptly from your records. 

Please note that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers be protected from identity theft and fraudulent activities related to their credit information.

I trust that you will handle this matter with the urgency and attention it deserves. Your cooperation in promptly rectifying this issue will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the fraudulent inquiry from my credit report.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report .I am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : THE PUBLIC RECORD You are required to do what I am asking and block these transactions from being reported to my consumer report within 4days from the date of the receipt of this notice .I look forward to your response.

Thank you
Consumer complaint received 2024-06-05
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. (LA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-06-05
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)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-06-05
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)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-06-05
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, XXXX, Equifax, XXXX, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on XXXX and Equifax as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from XXXX stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2019 I went on Transunions website to Dispute a collection charge on my credit report. The only way I could get to an actual working web page was to join Transunion membership. It said nothing about being charged, I figured it was for future reference if I ordered anything from Transunion but it had me put my debit card info in. Well about 5 or 10 minutes later, when transunions site failed to process my online dispute anyways, I cancelled my membership. I looked at my bank account about an hour later and they charged my account {$19.00}. From my understanding from advertisement, membership was free for Transunion and if I was going to be charged, they should have reviewed that with me and got my consent before they proceeded with my membership. Im asking to please be refunded from Transunion. Thank you.
Consumer complaint received 2024-06-05
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. (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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (NJ)

I just received mail from SoFi bank that my SoFi XXXX was closed effective immediately due to " activity that indicates the account may have been used in violation of the SoFi Bank XXXX Account Agreement ''. 

I've reached out to SoFi customer service to check what activity they were talking about but was told they don't have that information except confirming that my account was indeed closed. 

I used SoFi as my main checking/saving account to pay credit cards and transfer funds, I don't think I have any activity that violates SoFi Bank XXXX Account XXXX XXXX XXXX just closed my account without any valid reason or asking any questions or any solid poof. This is not right, now I can't access my fund and my bank statements in the past 7 years, which is important for my own book keeping purpose and tax purpose.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I looked at my credit report on XX/XX/2024, and noticed several collections that require clarification. Despite contacting the respective collection agencies, none have provided me with a contract or documentation proving my liability for the debts listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of debts upon request. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 
I request that the collections listed above be investigated to ensure compliance with federal laws governing consumer credit reporting and debt collection practices. Please provide me with written confirmation of receipt of this request and any documentation supporting the validity of these debts.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.