davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-27
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. BECAUSE OF THIS IT HAS LEAD ME TO MY ONLY OPTION OF SENDING DISPUTED TO HAVE THOSE DEROGATORIES BLOCK AND DELETED OFF MY CREDIT FILE. 

I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT FILE AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (PA)

Whenever i try to connect PNC bank checking account via XXXX  to do money transfer. PNC bank is not allowing me to connect request from XXXX.Its blocking. Please fix this.Basically Authorizing by PNC bank is not happening even though credentials are valid.
Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

There is a collection company reporting on my credit file that actually reaged a very old debt. They have it appearing as though the account just went to collections and there that is not the case. There has been no service with the original company for over 7 years. This I thought was illegal. The name of the company is XXXX XXXX XXXX
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

I contacted Chase Freedom Services concerning errant charges to my card. The first was an accidental charge from XXXX XXXX XXXX services in XX/XX/2021. I had accidentally clicked on a charge for this service and did not realize until it was too late - they charged my account. I had no idea that I had done this. Immediately after recognizing that this was on my account, I immediately went to XXXX XXXX and made sure to cancel the subscription. I subsequently received 2 additional charges from XXXX XXXX XXXX for XXXX and XX/XX/2021. I contacted XXXX directly and they reported that I did not have any subscriptions with them and that I should not be charged. Meanwhile, additional charges in XX/XX/2021 was placed by XXXX XXXX. I didn't realize that was an error, because I maintain a XXXX XXXX service for my cloud storage on a different card/ different account. It did not catch my eye that it was substantially higher than normal. Another charge came in from XXXX XXXX on the same card in XX/XX/2021. I believe that is when I called XXXX directly. I then contacted Chase services in early XXXX when another XXXX XXXX XXXX charge came through. I was asked to cut up the old card and get a new one from the company and formally disputed all of the charges through the Fraud Division. 

Approximately 1 week later, I received a notification that the charges were " determined '' to be valid because someone with the last name XXXX was the authorized user for the charges. I made it very clear that I did not authorize anyone else to use my card or the account. I submitted direct documentation to the Fraud Division showing them my XXXX subscriptions to prove that these were fraudulent and told the card company to not authorize any additional charges from XXXX. 

On XX/XX/2021, they charged me again. 

This is not OK. 

Here are the charges : XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX - XX/XX/2021 - {$18.00} XXXX XXXX - XX/XX/2021 - {$13.00} XXXX XXXX XXXX XX/XX/2021 - {$59.00} Phone calls to Chase : XX/XX/2021 - may have been unrelated to fraud charges XX/XX/2021 - 3 phone calls XX/XX/2021 - 2 phone calls XX/XX/2021 Email XX/XX/2021 disputing charges with email documentation. Was informed this could take another 90 days to correct. 

Meanwhile, they allowed XXXX XXXX XXXX to charge my account again.
Consumer complaint received 2020-06-28
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. (LA)

I went into XXXX and ordered a deep freezer. When I received the freezer, I took it home and opened the box. Only to see that entire top portion was smashed, like it had been dropped from a really high place. I returned the freezer the very next day and a manager inspected the freezer and determined that it was damaged prior to being shipped to their store for pickup. I cancelled my order because I know longer needed a freezer and was reassured that everything was closed out. A month later I see that they have put this item on my credit report with a 30 day late payment reported. I called went into the storeroom find out why Im being reported when I dont have an open account or merchandise for them. They immediately agreed to remove the negative mark and that XXXX  account from my credit report. Via email and printed paperwork. The item is still not removed and is hurting my score tremendously.
Consumer complaint received 2022-07-18
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. (NY)

I am writing this letter in response to your current investigation that took place in my credit record. Again I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the account I dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 


This account inaccurate or incomplete because the account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information in my personal credit report. XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX, XXXX, & Equifax continue to report information that is incorrect. The account listed as XXXX XXXX Account # XXXX has late payments and other information within the account is different from each consumer agency this means this account has not been properly verified or investigations into my previous disputes. Neither consumer agency has access to my private transactions history if they did this would be a violation of my right to privacy and then you could be held civilly liable for damages. Account Rating is different, Creditor Remarks are incorrect, Last Payment, Creditor Type. This account could not have been properly handled due to these inconsistencies.
Consumer complaint received 2020-06-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-18
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX Balance : {$490.00XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Bankruptcy : Discharged XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX : {$0.00} U.S. Bankruptcy Court XXXXXXXX XXXX bankruptcy XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. In accordance with the Fair Credit Reporting Act Section 605b, please remove the following items as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX OF XXXX XXXX XXXX : {$4800.00}. If the Credit bureaus claim that the disputed items belong to me, I require the Credit Bureaus to send me copies of proof of verification of proof of ownership or any documents bearing my signature si support your claims. Without these documents, the disputed items should have been immediately removed from my Credit File in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2022-09-17
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-10
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. (IL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX 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 2020-06-27
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: U.S. BANCORP (CO)

I received a usbankreliacard in the mail. Since I have a usbank card I assumed it was an updated card. I called to request a duplicate card for my husband. I spoke with XXXX XXXX from about XXXX to XXXX XXXX on XX/XX/2020. She stated she had to verify my authenticity by entering transations against one of my current credit cards. I objected stating I had never needed to do this. She stated I was niave and she was just trying to serve me and fill my request and proceeded to enter transactions on three of my cards : XXXX XXXX from XXXX ( {$75.00}, {$10.00}, {$25.00}, {$60.00}, and $! XXXX ) XXXX XXXX from XXXX ( {$200.00} ) XXXX ( {$200.00} ), XXXX XXXX   from XXXX ( {$280.00} ). The XXXX XXXX would not accept the transactions and I refused to give her anything else. I told her to just stop and remove all the transaction which she said had not been posted and would not be, She would remove all traces of them before the end of the call. I had been complaining about the process and the length of time for ssuch a simple request. She suggested I just hang up the phone and leave her to finish the job and I could just check my computer later. I told her I did not trust her enough to do that. I wanted to see each transaction cancelled. She told me to be quiet and let her do her job. She said she would cancel everything at that point but I noticed she was waiting for a confirmation from XXXX. She did cancel the XXXX charge for {$200.00}. But that was all. Finally she gave up on me. When nothing happened I began to cancel the user interface sessions. She had opened about six of them. When I got to the last one, XXXX XXXX entered XXXX XXXX I have tried to report the fraud to usbankreliabank but the rep went to talk with her supervisor and then hung up on me. I tried to cal back but after 15 mnutes in queue, I hung up and chose to report the fraud to you. Since it seems this is a government relief program, I was confident you would be intrested in preventing this to unemployed people desperate for the help you offer.
Consumer complaint received 2022-06-15
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX company, account # XXXX XXXX XXXX XXXX has violated my rights. 

5 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 2019-05-20
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. (TX)

I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Equifax has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

UNAUTHORIZED INQUIRIES 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9.XXXX XXXX
Consumer complaint received 2020-06-27
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. (GA)

These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove these inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

Also I need to update my XXXX XXXX bill I paid XXXX but its not on the report. I will attach all information I already have a XXXX XXXX card i didn't apply for a 2nd one and the others I have no clue. Im looking for a mortgage but these are not mortages. Please dont add a fraud alert it doesnt help anyway. I need to get a mortgage so I dont want a fraud alert. Please I dont know whats going on. Please remove these 4 inquiries and update my XXXX XXXX balance to XXXX