davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
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. (CA)

Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one. XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX   ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX  ) XXXX, and XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.
Consumer complaint received 2018-10-22
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)

Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR XXXX, XXXX XXXX
Consumer complaint received 2024-03-21
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. (FL)

XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.

( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX 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.
Consumer complaint received 2018-10-22
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: SYNCHRONY FINANCIAL (AZ)

There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up.
Consumer complaint received 2024-03-21
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. (PA)

in accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. XXXX XXXX XXXXXXXX account # XXXX has violated my rights as well. 

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
Consumer complaint received 2023-04-20
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. (KY)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}, XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # 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
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you will investigate and have actions to verified these accounts. I am still disputting some accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. These are the accounts that continuing reporting on my file : DEPTEDXXXX XXXX BalanceOwed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. DEPTEDXXXXXXXX XXXX Balance Owed : {$19000.00} - How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading. XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is undoubtedly classified as a charged-off account ; could you please explain why there is a balance. XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX XXXX Balance Owed : {$5300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removedXXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} - The number of late payments isincorrect. I never missed a payment. Please adjust immediately. DEPTEDXXXX  Balance Owed : {$23000.00} - Please take off the late things from this account because I think I made my payment on time. DEPTEDXXXX XXXX BalanceOwed : {$19000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$2400.00} - This charge off account is reported in violationof the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.
Consumer complaint received 2023-04-20
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. (GA)

I had a hard inquiry from.XXXX on my TransUnion report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.TransUnion.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been disputing a debt repeatedly for years and now I have a sheriffshow up on my doorstep to serve me papers? This has gone on long enough. This is not my debt, never has been. I do not know where this came from. I have disputed this over 5 times with credit karma and got the same response back. Nothing is looked into, its just confirmed. This seems to be commonplace with Portfolio considering the reviews and complaints I have read. I am a XXXX percent XXXX veteran, I do not work and my benefits are my only sourceof income. Again, this is not my debt and this is just adding more stress into my life with the threat of having benefits deducted for a debt that is not even mine.
Consumer complaint received 2023-04-22
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. (PA)

On todays date, I reviewed my credit report for Experian. I noticed that there are names listed incorrectly on my credit report. My legal name is XXXX XXXX XXXX however ; the names that are listed is XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and several more. I am asking any other names other than my legal name be removed as I never provided this information. On credit report it has a listed spouse name XXXX no last name but I have never been legally married. Please assist me with removing this information.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

AFFIDAVIT OF FACT I am XXXX XXXX, a natural flesh and blood being, not an artificial person, or corporation created on paper, bringing truthful information to this bureau in accordance with USC 15 1681 4 ( b ). I have 2 issues concerning my credit reports with the 3 major credit reporting agencies. They closed and removed the incorrect information listed on report and my credit score increased by XXXX points on XXXX XXXX. 

They added it back on XXXX XXXX and then my score decreased by XXXX points. Also, I submitted documentation from the U.S. Bankruptcy Court that they did not verify a bankruptcy and since it was not verified nor is it relevant then it must be removed, but they failed to remove it.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-11-21
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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. (MO)

I am writing to bring to your attention my ongoing dissatisfaction with the handling of fraudulent items on my credit file. Despite multiple attempts on my part to rectify the situation, the fraudulent items persist, and I find the repeated lack of resolution to be unacceptable. 

Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. 

I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The c.r.a. are still reporting old addresses, old information usc 15 1681 i they not allowed to report old iinformation and they doing it from, landlord they should have been remove CFPB, just sued Transunion and they refuse to remove the old landlord information I just got turn down for a apartment, now I have no where to live beccause of these credit reprting agency.I have right to to privacy usc 15 1681 602 a, XXXX funding, ome, when you crge it off its now income, I want these remove from my credit report, I have the right for my credit report to look the way I want it to look USC 15 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these 3 company are reporting charge off I.R.S. said you can't report a inc
Consumer complaint received 2018-10-22
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)

XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!
Consumer complaint received 2018-10-22
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. (CA)

XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

About two weeks ago I submitted a dispute with Chime for unauthorized fraudulent transactions on my account that occurred between XX/XX/XXXX til XX/XX/XXXX. All resulted in a loss of XXXX USD. I did authorize anyone to use my card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Chime responded that it was verified. That's impossible if I was XXXX  prior to the card being used. I am requesting my money be credited back to my account.