davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Greetings, I need you to eliminate this from my credit, it is affecting me and I am a father and the fact that it is damaging my credit does not allow me to believe. I hope you can help me. 

XXXX XXXX {$5300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts 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 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 inructions 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. 

These are the inquiries which should be off from report.
Consumer complaint received 2023-03-13
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. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX 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 2023-09-14
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)

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 XXXX : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2024-06-14
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: EQUIFAX, INC. (MO)

I would like to follow up to bring to your attention my deep dissatisfaction with the repeated unsuccessful attempts to correct the late open accounts from my credit report. The persistent presence of these inaccuracies on my report is not only distressing but also damaging to my financial standing. I feel compelled to escalate this matter formally. I submitted a request to your institution to address the inaccuracies in my credit report. Despite multiple attempts and assurances from your customer service representatives that the necessary corrections would be made promptly, these inaccuracies persist on my credit report. I insist on an immediate and thorough investigation into the reasons for the persistent inaccuracies and the multiple failed attempts to rectify the situation. I request a detailed explanation of the steps being taken to expedite the correction of these accounts and prevent similar errors in the future without delayed. Please help me correct these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$6400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX XXXX : {$6200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX : {$2500.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX XXXX : {$2600.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX : {$6200.00} The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX : {$2200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Consumer complaint received 2019-07-04
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. (TN)

To whom it may concern I submitted some documents to Transunion Consumer Solutions on XX/XX/2019. They sent me back the results as verified. Obviously they did not properly verify the accounts and can not verify the accounts as per the terms of Section 611 ( 5 ) ( A ) of the FCRA which states they must delete the unverified disputed account from the consumer 's credit file if it can not be verified. Credit Bureaus are " For Profit '' corporations. They must be held responsible for what they publish and sell to credit grantors. The courts have ruled that they are responsible for verifying the accuracy not me.
Consumer complaint received 2024-06-13
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

XX/XX/year>2024 -received a deposit from EDD XXXX insurance to Money Network card -unauthorized transfer of {$1500.00} from my Money Network card to an unknown account the same day -reported the theft to Money Network and they said I could file a dispute XX/XX/year>2024 -I had not received any dispute forms so I called to inquire about the status, they informed me that my dispute had been denied because the money was transferred to a personal bank account -I requested details about this account and they could not tell me anything more than the account ends in # XXXX. I have no association with this account. 
-I was denied access to my Money Network online account and could not retrieve information about the transaction myself. 

XX/XX/year>2024 -filed an appeal via email with documentation -I have attempted to call the bank multiple times for updates and I have not been able to get through to anyone. when prompted to enter my card number, the call gets denied. 

***I am filing a complaint because I feel that Money Network is delaying this dispute process, they are not communicating with me properly, and they are not resolving the issue. It has been a month and a half since the theft was reported. I have never received a provisional credit. They are not providing me with information and are preventing me from accessing the information myself. They denied my dispute based on information that I do not feel is adequate. At this point, I am unable to contact them via phone or email, and I have not received a status update on my claim. ***
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (OH)

PayPal has repeatedly lied to me about the refund I should have received days ago. XX/XX/XXXX they said I would have my money by XX/XX/XXXX or in two days. Then they said I would have it by XX/XX/XXXX ( holiday ) = XX/XX/XXXX. I contacted PayPal numerous times asking where my money was. They gave me different answers each time. I don't think they know where my money is. I'm tired of them lying to me. 
Details : Transaction ID : XXXX Sale date : XXXX XXXX PDT XX/XX/XXXX The seller issued a refund for {$670.00} I was told I would have the refund in two days. 
XX/XX/XXXX PayPal over telephone assured me I would have my refund by XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Body Only ) Item # : XXXX Sale price : {$600.00} Quantity : 1 Seller : XXXX
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX, I tried to purchase a bug deflector for my primary car for {$45.00} from XXXX using my XXXX card. It was declined so I used my American Express and the purchase went through. 

I had a feeling that this was not a legit website so I called American Express that night not to let the charge go through. They told me they could not cancel the charge since it was pending. I called the next day, XX/XX/XXXX to tell them to not let the charge go through. Unbenowst to me, the company kept charging my card around {$8500.00} The statements are so confusing I am not certain what they charged me. 

These transactions were all made in XXXX XXXX  and I have never been to XXXX and the website did not state they were going to take place in a foreign currency. Some of these charges were for XXXX XXXX XXXX XXXX. I live in XXXX, Ohio and have never been to XXXX nor have any known relatives or assiciates over there. 

On XX/XX/XXXX, I was communicating with XXXX XXXX as they asked me for more information regarding these transactions. I responded with everything I have and was told I would have to pay the full amount. I do get confused and was so flustered, I set up a payment plan with American Express. 

I was told on a phone call on XX/XX/XXXX that the above transactions do not count as fraud. The reason is that I gave them my credit card number, therefore it is a scam, not fraud. These are the terms American Express used. My son was on the call with me and said if we go to a restaraunt and the bill is {$100.00} and they charge {$1000.00} is not the same thing? They said it is not. 

I am a XXXXXXXX XXXX XXXX XXXX and am XXXX XXXX XXXX. I had to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I believe this indeed was a ) fraud and b ) elder abuse by American Express. I believe it is a fraud because I did not get what I was supposed to as well as being overcharged a lot of money. I believe it is elder abuse because they talk in their business language and sometimes I have trouble understanding. 

Thank you, XXXX XXXX XXXX - My son did help me write this letter.
Consumer complaint received 2024-08-03
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. (GA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ( MONTHS REPORTING LATE ) 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
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. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Last XXXX XXXX XXXX I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like this item to be re-investigated immediately. This inaccuracy is highly injurious to my credit rating. 

XXXXXXXX XXXX Account XXXX opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Account XXXX opened XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CO)

IQ DATA misled the XXXX XXXX courts by saying I owed amount that were not correct. In fact they never served me papers. They submitted fraudulent documents like contractor supply lists and one of them is dated 2013, and i was in Texas at that time, and I can prove this. This, in my opinion is a retaliation case due to the fact that it was previously dismissed, and I have documentation of this. This company is causing my family severe hardship and has caused us to become homeless. Also, this was a JUDGEMENT, not a COLLECTION. They can not attempt to hinder me by reporting it as a collection if it is a judgement.
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (AL)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-18
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-03-14
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. (FL)

I recently received a copy of my credit report and realized that my identity has been stolen. This unpleasant incident has had negative effect on me because I'm currently in the process of buying a new home for my family. I am very upset that this has happened to me and I am urgently asking for your assistance in removing these fraudulent accounts from my credit report. I have included all the required documents for your review. Thank you. Please see attached along with certified letters send to each credit bureau