davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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. (WI)

I contend that the late payment entry is inaccurate. 

Under the FDCPA, it is my right to request validation of this debt and proof of the alleged late payment. 

I urge your agency to conduct a thorough investigation into this matter and provide me with the following information : Documentation confirming the date and amount of the alleged late payment. 


Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and resolving this dispute expediently.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank has closed my value city credit card account, which has also removed my ability to pay, unless paid via a phone call all access to payment functions online and in the app have been removed. O would like to ensure that they are not allowed to mark my account delinquent.
Consumer complaint received 2024-04-01
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. (NC)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I recently sent in a dispute to this company in regards to accounts that should not be on my credit report. I also submitted identification and my FTC report. The account appeared on my credit report a few days later as not in dispute anymore ( updated ) but I had not received any notification of such, nor did I receive any investigation results. I called in on XX/XX/2023 to put the account back into dispute and to block it from my credit report. The representative said that she completed the dispute and attached my documentation. On XX/XX/2023, I received several emails stating that in order for my information to be blocked that I needed to submit the documents ( FTC report, identification, bill... ), so I called in this afternoon over XXXX times, only to get transferred and put on hold over and over. Then I was told that they do not have my documents, even though I have been submitting it over and over and disputing with this company over a year now about fraudulent information on my report. This is mentally exhausting to have to continuously go through this about my information and my life.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I canceled my credit card, after that I have a refund that XXXX  made me to receive on this canceled card and a dispute that the bank owes me a deposit 5 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.My first complaint after 3 months they sent me a letter saying they would deposit the due amount in my account but they never did that
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 an 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, 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 HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. In addition, my information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions 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 XXXX  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 XXXX XXXX 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 inquires need to be removed : XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

The letters are stated with items and issues.

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 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I purchased a bracelet for {$600.00} while on vacation in XXXX on or about XXXX XXXX XXXX. I had bracelet approximately XXXX weeks before the clasp stopped fastening. I contacted XXXX XXXX ( well within their XXXX-working day return/refund policy ) on XXXX XXXX by email requesting return address so I could return bracelet, I got no response. In good faith, I contacted the merchant again by email on XXXX XXXX asking for return address or I would be disputing transaction with my bank, CapitalOne, I still received no response. Approximately on XXXX XXXX, I filed dispute with CapitalOne and sent them the documents they requested. I sent them a copy of the emails I sent trying in good faith to resolve with merchant. I sent copy of the receipt that has a clear refund/return policy. CapitalOne Sent me a request on XXXX XXXX asking for additional information. On XXXX They requested an appraisal of the bracelet ; before the appraisal was done on XXXX XXXX, I received a denial of my claim letter. XXXX from XXXX XXXX 's office called me to provide clarification why my claim was denied, and he strongly suggested I have the appraisal done, which I did on XXXX XXXX. The jeweler verified that the clasp did not work, the bracelet was silver, and the diamonds were fake with a retail value of {$170.00}. well below the {$600.00} I paid for it. The official reason for the first denial is " There is nothing to regarding as NOT AS DESCRIBED to support the claim, neither a single attempt to solve with merchant, please inform because member still has merchandise. That is a blatant lie I sent 2 emails trying to contact merchant to get address to return bracelet they never responded to my emails. Also, I told by the salesman these were real diamonds, so it was not as described. I provided copies of these emails to CapitalOne while they were doing their investigation. Once I had the appraisal done, they reopened the claim and on XXXX XXXX the claim was denied again. The same reason as before and the appraisal was not done quick enough, even though XXXX told to go ahead and do it and could go a long way in my claim.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TRANSUNION AND XXXX HAS INFORMATION ON MY CREDIT REPORT THTA NOT MINE AND THEY REFUSE TO DELETE. 

I demand the followingBE deleted immediately. 
I received a copy of my credit report and found the following item ( s ) to be in erR Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-24
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: Experian Information Solutions Inc. (FL)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$4500.00} ; XXXX  XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2000.00}.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (UT)

Ally has a major data breach that is causing thousands upon thousands of customer accounts to be compromised, myself included This leaves victims with no access to their checking account funds while a new debit card is sent. This issue has been going on for several months and Ally refuses to fix or address it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I had a merchant double charging my debit card consistently. As each double charge occurred I opened a claim with my banking institution. This institution decided my account was " risky '' due to the claims opened ( too many claims ) and closed my account immediately ; even though the claims were all resolved and noted that I'm not responsible for any of the double charges.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (DC)

There was an account with XXXX XXXX that I was made aware of when attempting to get pre qualified for a home loan. I was never aware of this account nor did I open this account. I sent each bureaus two letters asking for how they added this information to my credit report and asked them to verify the account. To date all I got bacl was what appeared as a generic letter stating just verified. They did not provide me with the details I requested either. 

Account information is XXXX Account Number XXXX In accordance with the Fair Credit Act XXXX the Account listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights.

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MI)

On XX/XX/XXXX I spoke with Target Card Services regarding a delinquency record posted on my credit file. My account showed a transaction of {$9.00} posted on XX/XX/XXXX. This transaction caused my account, which previously was paid off, to hold a balance for that amount unbeknownst to me. The account went into past due balance for over a month for non-payment. I told the Rep that the charge was not made by me nor anyone in my household. As a result, The Target Card Services Rep suggested that I submit a dispute to the credit bureaus and stated that the information would then be corrected. 

On XX/XX/XXXX I contacted Target Card Services again regarding a letter sent to me stating the decision they made to decline the dispute made with the three major credit bureaus concerning my account. " Information is correct '' was the result of the dispute. 
The representative basically said she " didn't think it was fraud '' and declined to update the information. 

After explaining this to Target Card Services, several times, my dispute was denied. How can I be held liable for an unauthorized charge made on my account resulting in delinquency? I was unaware of the charge as well as the balance. I've been a customer since XXXX and I have NEVER made a late payment. My account is now current as I paid the past due amount ( even though I didn't make the purchase ) to avoid more negative reporting. 

On XX/XX/XXXX I mailed a certified letter to Target Card Services, again explaining my case. I will attach this letter below.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

There was an account with XXXX XXXX that I was made aware of when attempting to get pre qualified for a home loan. I was never aware of this account nor did I open this account. I sent each bureaus two letters asking for how they added this information to my credit report and asked them to verify the account. To date all I got bacl was what appeared as a generic letter stating just verified. They did not provide me with the details I requested either. 

Account information is XXXX Account Number XXXX In accordance with the Fair Credit Act XXXX  the Account listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights.

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-18
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)

My name is XXXX XXXX. I am a victim of identity theft and need the following accounts to be deleted from my credit report. I have submitted documents to the credit bureaus multiple times and the items still have not been removed.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : XXXX XXXX XXXX XXXX ] for the month of XX/XX/2019. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter.

I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.