davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On or about XXXXXXXX XXXX XXXX, a so-called merchant using the name " XXXX XXXX '' placed a {$97.00} charge on my Chase credit card. I immediately questioned the charge on XXXX. The so-called merchant supplied Chase with barely legible emails from a person with a different name, address, and email address than mine. Chase somehow decided that is was appropriate to rebill me for the amount. I called Chase, and was told to fax and upload a document to re-disupte the amount. In the XXXX weeks since that time period, Chase has failed to remove the incorrect amount.
Consumer complaint received 2023-07-03
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. (CA)

I have contacted the 3 credit bureau filed dispute I contacted the biller they have no initial account under my name or verification. I have several hard inquiry that shouldnt be on my credit report my credit report should be locked unless open by me. There some one that try to initial tried to apply for loan for vehicle under my name and also applied for mortgage loan which I never applied for thru any loan and credit card or line of credit company. I have had my Identity taken before it in the XXXX XXXX XXXX XXXX  XXXX someone was using my Idenity to commit Idenity theft using my name to gain access to bank banks mobile service, buy a car, buy a house and gain credit cards start business gain a copy of my cosmetology license to practice hair under my name using my name S S and address with a different mailing address its all financial gain.. They even gain access to full amount to my unemployment full payment from XXXX  for the pandemic. I been through criminal civil charge due to this person using my name for criminal Identify theft. The only reason case was dismissed driver license picture and fingerprints were no match. My phone and personal belongings were stole from hobby lobby as being customer at there store and my purse was stolen from car in XXXX and XXXX XXXX with a police investigation to my complaint I had made a police report of my stolen property token from my car. This was file thru the courts through consumers and 3 credit bureaus from the courts that Im victim of Identity theft. Several individuals using my personal identification and verification for gain financial., I would like all discrepancies of hard inquiries removed mortgage and disputes removed from my account I provided all information unless need to file with courts on this complaint
Consumer complaint received 2024-09-07
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. (PA)

Im extremely disheartened to find unauthorized inquiries on my credit report today, with no apparent reason for them being there. Refreshing the browser didnt help, and its clear this isnt a simple glitch. I sincerely ask that the documents Ive provided be reviewed carefully, so I can finally have peace of mind and put this behind me.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH 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 my 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 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.

NATIONS FIRST CAPITA 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 2024-09-02
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. (MS)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-07
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-07
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. (FL)

To my disbelief, I found incorrect accounts on my credit report tonight, and I dont understand how they appeared. I review my credit report often, but this time, I saw errors out of nowhere. I tried refreshing my browser, hoping it was a technical issue, but nothing changed. Im requesting a full check of the documents I provided so I can stop stressing about this.
Consumer complaint received 2024-09-08
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. (NY)

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/year> 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/year> 5. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
8. IXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. XXXX XXXX XXXX FEDERAL XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. XXXX XXXX XXXX BANK Account XXXX : XXXX Please remove it from my credit report. 
11. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
12. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-07
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. (PA)

Im shocked and confused because this evening I saw inaccurate accounts on my credit report without any explanation. I always monitor my credit report, but this time there were sudden discrepancies. I even refreshed the page to see if it was just a technical issue, but nothing changed. The inaccurate accounts stayed on the report. I need the documents I sent to be reviewed carefully so I can stop stressing about this happening again.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX : Account Number : XXXX -- Balance {$0.00} Account Name : XXXX XXXX XXXX : Account : Number XXXX -- Balance {$0.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-08
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. (FL)

I am writing to formally dispute the inaccurate reporting of a child support account on my consumer report. The account in question, identified by the account number XXXX, XXXX is being reported with discrepancies across TransUnion, XXXX, and XXXX, as shown in the attached documentation. Due to these inconsistencies, I believe this account should be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) and relevant case law. This account is also listed 3 times with the the same account number this can not be correct and each consumer agency knows listing this account this way is lower my score on purpose. This account should not be listed XXXX times. 

The FCRA ( 15 U.S. Code 1681s-2 ) mandates that furnishers of information provide only accurate and complete information to credit reporting agencies. In this case, the child support account is being reported differently across multiple agencies. The inconsistent reporting violates the accuracy requirement of the FCRA. Specifically, the account shows different balances, statuses, and payment histories, which create confusion and result in an inaccurate representation of my financial obligations. 

Moreover, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX, the court ruled that inaccurate or incomplete credit reporting violates a consumers rights under the FCRA. Since this account is not being reported accurately and consistently, it is imperative that this inaccurate entry be removed to avoid further damage to my credit profile. 

I respectfully request that you : XXXX. Investigate the reported inaccuracies in the child support account. 
XXXX. Remove the inaccurate entry from my credit report. 
XXXX. Provide written confirmation once the deletion has been completed. 

Please consider this a formal dispute under the FCRA, and I expect a full investigation and correction to be completed within 30 days, as required by law. I have enclosed a copy of my credit report with the disputed information highlighted for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-09-08
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. (OH)

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXXXXXX XXXX  XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX Bank Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-08
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. (OH)

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX Bank XXXX {$210.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX Bank Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX 2020
Consumer complaint received 2022-03-14
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (OR)

I have issues with XXXX and a reporting that continues there is a old account closed in XXXX still reporting and they even reported it first being major delinquent in XXXX I asked to get this deleted every month it is adding remarks to my account and dropping my credit score 42 points this month 36 last month and 31 in XXXX please delete this account from my reporting agencies I called both XXXX multiple times and synchrony bank and both were rude and denied my request.
Consumer complaint received 2022-08-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.
Consumer complaint received 2024-09-08
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. (OH)

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX  {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX 2020
Consumer complaint received 2024-09-08
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. (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. 

Account Name : XXXXXXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX {$300.00} Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX  Account Number : XXXX {$0.00} and list of Inquiries. 

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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

" I settled the account, and it was removed from other credit reporting scores, but it has not been removed from my XXXX score yet and also my Experian score. Before I opened a new policy with XXXX auto insurance, I paid off the remaining balance of {$120.00}. I chose XXXX because I believe they have my best interests in terms of insurance. Additionally, I have already paid my first month 's bill. ''
Consumer complaint received 2023-07-02
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: ERC (FL)

An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a XXXX XXXX XXXX XXXX priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Experian, XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I hope this letter finds you well. I am writing to emphasize an issue that, while often overlooked, has significant consequences for myself and society as a whole : identity theft. 

Identity theft is not just a minor inconvenience ; it can lead to severe financial and emotional distress for me as well as other victims. When someones personal information is stolen, it can result in fraudulent activities that tarnish their credit history, disrupt their financial stability, and cause immense stress. The aftermath of identity theft can take years to resolve, leaving victims feeling vulnerable and helpless. 

As technology continues to advance, so do the methods employed by identity thieves. It is crucial for everyone to remain vigilant and proactive in protecting their personal information. This includes using strong, unique passwords, being cautious about sharing personal details online, and regularly monitoring financial statements for any suspicious activity. 

I urge you to raise awareness about this issue within your company. By educating others on how to safeguard their information and the steps to take if they become a victim, we can collectively create a safer environment for everyone. 

Thank you for taking the time to consider the importance of this matter. Together, we can combat identity theft and protect ourselves and our loved ones. 

Sincerely, XXXX XXXX XXXX Attaching supporting Documents