davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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. (NC)

I recieve emails and letters from the XXXX bureaus saying I'm using 3rd party wihich is wrong. 
Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Please delete the following inquiries : Inquiry Name : XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$19000.00} Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$7800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$1800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX & XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX {$19000.00} Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$7800.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXX Account number : XXXX  Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XXXX. XXXX, XXXX
Consumer complaint received 2024-02-13
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

The bank authorized a transaction for a company ( XXXX 's ) and then never showed it as taken out of my balance. This caused a chain reaction that caused over {$100.00} in overdraft fees or purchases totaling less than that through XXXX. I have never had a problem with this in the past, and always cover my balances. I never received a low balance alert, overdraft alert or any other of the several alerts I'm signed up to receive so I can correct the problem. Chase is stealing money from customers by the way they are posting transactions and that is not right.
Consumer complaint received 2018-08-16
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. (OK)

This account XXXX XXXX XXXX is showing on my credit reports as a closed account which I have no account that I have opened and it shows closed 2 years ago. From reading other complaints similar here on consumer finance I'm requesting to please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (MD)

Hello this is in re : to Amazon {$16.00} Leg Loose Jumpsuit Romper due on XX/XX/2019 Amazon canceled my order for nothing, I paid for XXXX for XX/XX/2019 so Amazon needs to refund me the money back, -Amazon is going down because now they have resorted to underhanded things like selling my debit info to others companies-sad. 
Amazon claims to have {$30.00} in return funds in return products for me- I would need them just to send to me, most of their new workers can not speak English -this creates a new problem with billing if your staff can not understand, Once -I ask when the product was coming and the staff person - said if you don't like it-just return it. I knew then it was a language barrier going on.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (VA)

These three credit bureaus keeps adding removing updating deleting refusing to delete refusing to tell me where they get the information from and violating all type of consumer laws when it comes to my profile they tell me that they can't verify me yet they simulators telling me they've updated and verified through furnishers they still have not provided me where they got the information from. They refuse to update when the other bureaus have already removed they just keep doing whatever it is that they want causing me emotional distress I just want these items removed immediately attached is my exhibit showing the inconsistency the stall tactics and then violating laws
Consumer complaint received 2019-07-30
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. (MS)

The following companies ran unauthorized credit inquiry on my credit report and so these are suspicious to me : XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX
Consumer complaint received 2022-02-22
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. (TX)

From XX/XX/2020 until the current date of XX/XX/2020... XXXX, Transunion XXXX  XXXX have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit report.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I need help removing this negative accounts that TransUnion is reporting and hurting my credit score, they are as follows : XX/XX/XXXX XXXX XXXX amount {$480.00} XX/XX/XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$490.00} Please help me in removing and resolving this issue, thank you.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1 ) XXXX, XXXX : TransUnion account CLOSED on XXXX XXXX but showing Late payments to present time. Error is affecting my credit! 
2 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. Error is affecting my credit! 
3 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. 
sTransUnion said they had in open investigation and it would be resolved on XX/XX/XXXX. Well it 's Monday XX/XX/XXXX and nothing has been done the error 's still appear on my credit report. 
Thank you!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

After reviewing my consumer credit report I found the I have 1 late payment for consumer reporting agencies have assumed a vital role which has the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on any payments for this account I have actually made multiple payments within the billing cycle XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements that shows this account was late. If proof cant be furnished I demand these payments are updated and reflected as on time payment as the payment was never late. 

Best regards,
Consumer complaint received 2021-06-12
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. (CA)

I sent multiple letters to XXXX, transunion, and XXXX regarding an inaccurate account on my credit report by XXXX XXXX and XXXX. Not only is the account not mine but the I allegedly opened the account is not even the same on all three bureaus and the date it was supposedly reported is all different as well. I have no knowledge of this account, no recollection of a contract with XXXX, and to my knowledge the fact that the bureaus are furnishing and reporting inaccurate information is a violation even though I was told not so and a violation of the FDCPA section 807.
Consumer complaint received 2021-03-10
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: Early Warning Services, LLC (NY)

Early Warning Services ; XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to XXXX  XXXX XXXX And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From My Early Warning Systems Consumer Report and XXXX  Consumer Report. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My husband I had a lease with XXXX XXXX back in XX/XX/XXXX. My husband passed away in XX/XX/XXXX. I called XXXX to report his passing. I paid off lease, closed account and opened a new lease account with my name only. XXXX XXXX contacted all 3 credit bureaus ( as I couldnt get my credit information as they showed me as being deceased with no access to credit ). XXXX  and XXXX   fixed the issue 2 years ago, and as to date Im still fighting Transunion as there report is still showing Im deceased. ( I pay for credit monitoring and check it frequently ). XXXX XXXX has told me its now out of their hands as they have over and over reported to Transunion that I have my own account and Im not deceased and I need to go through Transunion as they are not doing what they need to do on their end. Again month after month for over 2 years Ive been trying to resolve this issue with Transunion. I was told 2 months ago that this was taken care of and I would start seeing my scores again. I told Transunion I didnt want to make another phone call to them as again Ive been doing month after month for 2 years. I was reassured that I wouldnt have any other issue. I called back again 1 month later ( XX/XX/XXXX ) as still not resolved, then received a letter from Transunion stating deceased. After go round and round with XXXX ( who did change account status on their end ), Transunion ( still giving me run around with no satisfaction ), I have decided to make a complaint against Transunion, and hopefully get this resolved once and for all! 
Again, XXXX  and XXXX  fixes report 2 years ago. 

Thank you
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

This account with CB/WAYFAIR  XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malcolm S. Gerald and Associates, Inc. (IL)

I have been making steady payments ( sometimes twice a month ) to XXXX XXXX XXXX XXXX XXXX XXXX since my hospitalization at the end of XX/XX/XXXX. My original debt for services rendered from XXXX was {$1300.00}. Keep in mind that I also had additional debt incurred from this same hospital visit which I have paid off in full. I currently owe {$1000.00}. Also, please keep in mind that I just received an additional bill from XXXX as late as XX/XX/XXXX for {$180.00} ( 7 months after my hospitalization ). XXXX sent my account over to the collection agency of Malcolm S. Gerald and Associates , Inc . The phone calls started immediately on XX/XX/XXXX. They said I owed {$1000.00}. They said I only paid {$6.00} on XX/XX/XXXX. I informed that they were wrong and that I made a payment of {$100.00}. At that time, they looked into my payment history and only then corrected themselves and said that because I had 3 bills from XXXX, XXXX decided to put the majority of my payment towards the other two bills. They wanted me to make another payment immediately. I told them that I just made a {$100.00} payment and I would make another payment on XX/XX/XXXX when I get paid. 

On XX/XX/XXXX from Malcolm S. Gerald contacted me at my job and demanded I make a payment. I informed them again that I had just made a {$100.00} payment on XX/XX/XXXX and that I had already informed them on XX/XX/XXXX that the next payment would be at the end of the month ( XX/XX/XXXX ). I also told them that they were violating laws by contacting me at my job and they should stop calling me at my job immediately. 

On XX/XX/XXXX I received a call on my cell phone from XXXX XXXX from Malcolm S. Gerald demanding payment again. I told Ms. XXXX that I have spoken with them twice already this month and that my payment would be made at the end of the month ( XX/XX/XXXX ). She stated that it is the end of the month. I stated that XX/XX/XXXX is the end of the month and this was the third time speaking with her agency this month. This agency is harassing me even though I have been making steady payments to XXXX to reduce the amount of my debt. Someone needs to provide them with a calendar and teach them what day is considered the last day of the month and not to contact me at my job.
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NJ)

Disclosure information and fee are different then final documents received. Even have a miscellaneous fee, on the final closing document which neither mortgage company, title company or closing agent can explain after a few weeks and multiple phone calls. After closing took more than 20 business days to pay off the old loan that was refinanced. Took 3 1/2 months to process loans without any reason and lack communications during.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX 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 2022-12-02
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. (AL)

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 has violated my rights. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX  # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2021-06-12
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: EQUIFAX, INC. (SC)

I've been trying to get help with this account for a while. I was sending letters since XXXX to no avail. This car is listed on my credit report as a repossession and with a balance of {$11000.00} and this is inaccurate. After repossession this car was sold. I've reached out to XXXX XXXX asking them to verify this information and to stop reporting this inaccurate information since the car was sold but I haven't received a response. Equifax said they investigated this account but still, it's reporting inaccurately. I'm not sure what else to do as this information being reported is making my credit suffer.
Consumer complaint received 2019-07-30
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: Experian Information Solutions Inc. (MS)

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed the accuracy of information reporting regarding bankruptcy XXXX that appears on my report. Specifically, information related to the status of the case, the claim amount, etc. is not reporting correctly on my reports, and is not accurate in documents currently on XXXX as changes were made to the bankruptcy after XXXX of 2011 when TransUnion shows the date paid.. 
In the past TransUnion has stated they verified information regarding the bankruptcy with the furnisher of information. I asked who that furnisher is and TransUnion advised they use data from public records and consumer reporting agencies. I called TransUnion and asked again who specifically verified the information and they told me the bankruptcy court. I contacted the Bankruptcy Court in XXXX XXXX XXXX and they told me they have not verified anything regarding this bankruptcy case to the credit reporting agencies, and that it is not their policy to do so. I called TransUnion again after the Bankruptcy Court advised me of this and was told that TransUnion uses a variety of methods to verify the integrity of the data being reported, but was never told who specifically verified the information. 

I want TransUnion to verify the information with an actual person at the bankruptcy court and to provide me the name, address, phone number, and date they actually verify this. If they verify it with a source other than the court tell me exactly who it was verified with.
Consumer complaint received 2024-02-13
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. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2024-02-13
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. (TX)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.