davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-11-07
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. (MI)

I have XXXX inquiries on my transunion credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

My wallet was stolen and someone used my identification to open a credit card and purchase a XXXX XXXX ticket. 

I have made reports to XXXX, the police department and identity theft.gov. 

I have copies of the reports.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MI)

Nelnet I do not accept your offer of a Bident-Harris loan federal loan forgiveness in which is illegal in this case because the federal consolidation was terminated XXXX by the U.S Department of Education General Counselor . ( 2 ) The Biden-Harris federal student loan forgiveness plan is for federal lenders Nelnet your federal consolidation loan was not orginated from a federal lender. ( 3 ) The U.S. Department of Education does not own the federal consolidation loan. ( 4 ) The borrower for Biden-Harris federal student loan forgiveness have to apply and I did not apply for a federal student loan forgiveness plan. I do not need a federal student loan forgiveness. ( 5 ) Nelnet remove my I dentity from a Biden-Harris federal student loan forgiveness because it consist of your fraud. Nelnet do not apply my name on any document without my consent. Nelnet you are not my student loan servicer. Nelnet the U.S. Department of Education wrote XX/XX/XXXX for no student loan servicer to service the federal consolidation. Nelnet the federal consolidation never had a a federal lender and was rejected by the U.S Department of Education General Counselor on XX/XX/XXXX before your fraudulent Biden-Harris federal loan forgiveness in which I did not consent nor applied for. The XX/XX/XXXX termination of federal consoldation loan still stands. Nelnet immediately remove my identification from your fraudulent XXXX XXXX XXXX forgiveness in which I did not consent and you have no authority on this federal consolidation. Nelnet I repeat you are not my student loan servicer and if you have any problems Nelnet send your Agreement between the U.S. Department of Education for Nelnet to service the federal consolidation loan
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I have a Chase United credit card after a year and a half, Chase sent me a letter requesting proof of the identification. When I called Chase in regards to the letter because they sent it when I was outside of the country, I was advised to log onto my online account to verify my information. With no notice there after Chase close my account I did not know that they closed it until I was making a purchase. When I called customer care I was transferred over nine times and hung up on almost 4 at the end of all these transfers I spoke to his supervisor, who advised that the account was closed in error and that several accounts have experienced the same thing, and that the account will be reinstated within 24 to 48 hours. After the 24 to 48 hours were up I called because my account was not re-opened, and was advised at that time that the manager gave me wrong information and that Chase was still in need of verifying my identity, they requested that I upload a copy of my ID and Social Security in which I did and I called three times after that to verify and follow up on the matter I was advised that they received it and it would take 3 to 5 business days for it to be reviewed and then they would expedite the card over. I called after that timeframe to verify that they reviewed the information to be advised that they never received the information even though I have the online app confirmation that they received it and they did respond to me in The secured message system. Chase advised that they received the three documents that were uploaded and would respond within one to two business days but today XX/XX/XXXX I spoke to a supervisor named XXXX who stated that there mustve been an error and we did not receive it and that he would file a complaint and I would get a response from them. I asked XXXX in regards to my account being closed where in the terms and conditions or banking regulations do they have the right to close my account even though Ive made all my payments XXXX actively using my card and they automatically on their own extended credit without my request from the original credit line that I was approved for XXXX stated that the right that the lender had came from the banking regulation the US patriot act. Keep in mind that there was no suspicious activity on the account all payments were made on time and card was being actively used and they closed it a year and a half later due to them needing proof of identification, after reading the patriot act, I see no real reason for them to be closing my account on this basis. in the course of the two week phone calls on the first day that I called when I noticed my card was closed the supervisor who gave me wrong information stated that my account was closed due to an error and that would be up within 24 to 48 hours how does a manager give that kind of information if it was close for a completely different reason, By doing so she delayed the resolution by over a week.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 in 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 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 2024-03-27
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 writing to follow up on my previous correspondence regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Consumer complaint received 2023-12-01
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: DISCOVER BANK (CA)

On XX/XX/XXXX  I received a text notification from my credit card Discover " do you recognize this charge of {$230.00} '' I stated no. I called Discover to find out what this was all about and was told since I declined the text charge not to worry that the charge will not post. A few hours later I log onto my Discover Card web site only to see the {$230.00} charge is pending. I called Discover and was told that 30 min later after I declined the charge the merchant was able to put the charge through again and was successful. I asked why I did not get another text to notify me, the person said sometimes that happens, and now I can dispute this charge. After many months of going back and forth with Discover I was finally credited back {$230.00} until today. XX/XX/XXXX  almost 4 months later the merchant was able to send in information showing my name, address, and that I ordered {$230.00} for one bottle of XXXX XXXX 's. Discover card will not reopen this dispute, and I will have to take it up with the merchant Since XXXX of XXXX, XXXX  I have called this company call XXXX XXXX XXXX XXXX. I was able to stop them from a reoccurring charge of {$230.00} every month and was told they would credit me back {$230.00}. This company told me there is nothing they can do and I need to reach out to my credit card and he hung up on me. 
On XX/XX/XXXX  when I was on face book I did see an advertisement on these XXXX XXXX for weight loss. I did order 1 bottle @ {$39.00}, then when I received the text from Discover I realized this has to be the same company and it's a scam. NEVER have I received 1 bottle. Called Discover 6 times just today and I am told the merchant provider my name, address, but what about the delivery? Discover is sending me all in information to me by way of mail, they will not email to me. Per Discover today I found out this company has another name of " XXXX XXXX  '' with the same phone number as XXXX XXXX, if this isn't a scam I don't know what it! XXXX XXXX has a state of WY, but when calling the phone number provided it's XXXX and the people I have spoken with have really bad broken English so I know they are not within the US. I need help please I am being scammed and per Discover they choose to believe the scammer. Per my Discover statements you can see the credited me then posted the charge 4 months later. From the beginning If I decline a charge Discover had no right to accept the charge a few minutes later, this is bad business on Discover 's part.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spoke to a representative and they said once it was paid, they would let the credit bureaus know and it would be deleted from my credit reports, all three. It has not been deleted, only shows XXXX balance. I am trying to buy a home for my children and I and would love help getting this deleted off my credit reports. Please help. 

Thank you
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NJ)

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I received my consumer report and some derogatory items being reported to my consumer report that didn't have Permissible Purpose, ( 15 USC1681b ). I have been a victim of identity theft ; someone has used my personal info for their personal gain. Please see attachments. Please delete all accounts/inquires listed below. 

XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-27
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)

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, ACCOUNT # XXXX, HAS VIOLATE MY RIGTHS. 

15 U.S.C 1681 SECTION 602 A SECTION 2 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
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX is reporting late payments up to 120 days past due from XXXX - XX/XX/XXXX as well as some in XXXX when my student loans were already transferred over to XXXX. XXXX has owned by student loan debt since XX/XX/XXXX and I have paid on time with them. I have disputed the late payments XXXX claims are they were not my loan provider when reporting late payments and they will not remove them.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX is not reporting to the credit bureaus correctly for my payments in XX/XX/2024. They should be reporting that it was current no unknown, I paid it and have proof of the payments in XXXX. Please have them update all XXXX credits places as they do a percentage and with this not showing it was current in XXXX, it lowers this score. I am trying to buy a home for my children and I. 

Thank you
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.