davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I was selling some chairs. I got a text from phone number XXXX. The agreement was that they would send me a check in the amount of {$3400.00}. I would keep {$1900.00} and give the moving company {$1500.00}. I received and deposited the check at my local Chase bank via ATM on Thursday, XX/XX/XXXX. The check cleared the next day Friday XX/XX/XXXX. The buyer than asked me to deposit the {$1500.00} instead of give the movers in cash so they can have a receipt of the deposit. The {$1500.00} was to be deposited to a chase bank account XXXX XXXX account number XXXX on Saturday XX/XX/XXXX. I looked up the company and it was valid and since it was a Chase account I didnt think much of it. A few hours after this transaction was done the buyer contacted me saying that I need to send the amount {$1700.00}, $ XXXX- {$250.00} because I lost another buyer, to his nephew and that he cant go through with the transaction. He asked me to deposit the amount to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX bank ACC # XXXX routing number XXXX. I told them that they are going to have to wait as I didnt trust this was a legit transaction. They started threatening me and calling from phone number XXXX. In the meantime, I called Chase Fraud department and explained that I thought I was in receipt of a counterfeit check and that I was being scammed. Chase fraud assured me that the check cleared and the funds where available and nothing seemed to be wrong. I still wanted to wait another 24 hours before I returned any more to them. On Monday XX/XX/XXXX, I saw that everything was still ok so I told the buyer I would send them the money. They asked that I send via XXXX XXXX to another nephew XXXX XXXX XXXX address XXXX XXXX XXXX , XXXX, In XXXX. The XXXX XXXX tracking number is XXXX XXXX. They picked up the money Tuesday XX/XX/XXXX. The buyer than told me to send the remaining {$250.00} plus the {$25.00} the XXXX XXXX charged as a fee. I told them to stop contacting me and they kept threatening me. Then he said that I should send the {$250.00} and the deal is back on and that they would send me a new check for the chairs. I stopped responding and checked my bank account. The amount of {$3400.00} was deducted. I called Chase and spoke to the customer service manager. I ask her what happened and she said the check wasnt endorsed properly and the funds where returned to the issuing bank. I explained that I had called on Saturday and they told me all was well they then said there was nothing they can do about it, even when I asked that they freeze my account as I think I might be at risk of identity theft. NOTHING they can. They also said that there was no way they can know this would happen. I was shocked. I then asked what does invalid endorsement mean as I've been depositing checks for years and I am very sure that I followed the proper procedure. They could not respond. Im available to provide any further information you may need.
Consumer complaint received 2024-05-21
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 was trying to rent a house and i realized that i had damages on my credit report according to the ( 15U.S.C 1681 ). Ive Also Paid Off collections that still Havent been removed off my account per Agreement to do so With Hard Inquiries That where made by a Car company i told to Not run my Credit Did exactly what i asked not to do. These companies are Reporting Fraudulent and inaccurate information on my credit report. I have Asked to show full proof of agreement to show ownership of such account and also other documents that could prove that those account belong to me
Consumer complaint received 2024-05-22
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)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-23
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. (TX)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2024-05-22
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. (TN)

I sent TransUnion a letter disputing the validity of the Bankruptcy ( Bankruptcy XXXX Reference # XXXX ) they are reporting on my credit report. They responded with a letter stating they have verified this information with the source and it is valid and accurate. I went directly to the court showing on my credit report concerning this Bankruptcy. I informed ( TransUnion ) if they cant reveal how they truly verified this item then it needed to be deleted according to the FCRA. They have once again refused to delete this item which is affecting my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it cant be verified.
Consumer complaint received 2024-05-23
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. (IL)

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-05-21
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 with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX acct # XXXX XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 


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

15 U.S.C. 1681Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2024-05-22
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. 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 2024-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-23
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 in disagreement with the accounts listed below which still appears on my credit report even after your investigation. The inaccuracies are highly injurious to my credit score. 
Both accounts have different information as you can see in the attach file in this report. Inaccurate like Different account number, account type, date opened the account and the status are different across all credit bureau. The inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the followings accounts. 
XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled a copy of my credit report and noticed erroneous information that needs to be UPDATED and DELETED. Under 15 USC 1681e ( b ) and 15 USC 1681n, Please update my personal information immediately. Also, Under 15 USC 1681c-2 there is fraudulent information on my credit report that needs to be immediately DELETED as a clear result of identity theft/alleged identity theft as I DID NOT originate nor authorize these accounts to be listed on my credit report. Please see attached Identity Theft Report.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've consistently made sure that payments on this account are made on time, preventing them from becoming overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the accuracy of a public record item on my credit report. The item in question is XXXX XXXXXXXX XXXX XXXX XXXX # XXXX which I previously disputed with you. In response to my dispute, you verified the item as accurate, stating that you had verified the information with the court. 

However, I have recently contacted the court and they have informed me that they do not report to you or any credit agencies for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. ), which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.
Consumer complaint received 2024-05-22
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. (PA)

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/XXXX, I used a PayPal credit account to purchase XXXX XXXX at XXXX $ On XX/XX/XXXX and XX/XX/XXXX, unauthorized charges showed up on the account for the amount of XXXX. I did not make these purchases and am unfamiliar with the vendor. 
I discovered and reported this to PayPal on XX/XX/XXXX date. 
I filed a police report on XX/XX/XXXX. 
On XX/XX/XXXX, PayPal informed me via phone of the review of the charges and determined that they were authorized. 
On XX/XX/XXXX, I submitted a copy of my police report to PayPal. 
On XX/XX/XXXX, PayPal informed me that upon secondary review, they determined that the charges were authorized. They informed me that they would be sending me written notice as to why they were determined to be authorized charged, however they have not done so. 

In addition to the fraudulent charges on the account, the charges have been accruing interest for which PayPal now claims I am responsible.

PayPal is not calling me multiple times a day in order to request that I pay the unauthorized charges. I have attached a call log of the frequency of these phone calls, which totals to more than 70 calls since XX/XX/XXXX.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-21
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$12000.00} XX/XX/XXXX XXXX XXXX {$6800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  {$3500.00} XX/XX/XXXXXXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX {$1200.00} XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-12
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: EQUIFAX, 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. 

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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 had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. BSI has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.
Consumer complaint received 2024-05-22
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)

Im interested in my credit file being reviewed & solved. The current report that I have now is inaccurate, for the accounts that are listed on my report was used against my rights to give authority to open those accounts.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A charge off is considered a certificate of indebtedness, Which is considered income. income can not be reported onto credit reports. I have reached out to the company to remove the inaccurate date they are reporting on XX/XX/XXXX and they refused as per IRS guidelines The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Consumer complaint received 2024-02-19
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NV)

Was reported by XXXX and XXXX on XX/XX/XXXX and reported to XXXX on XX/XX/XXXX which is inaccurate information. The creditor type is also reported inaccurate.