davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

After carefully looking over my credit report and after sending several letters. The credit bureau has continued to ignore my letters regarding XXXX XXXX XXXX XXXX and I have found several errors that they are reporting regarding this charge off on my account. That is why I am filing my complaint and has did the same with my attorney general in the state of Missouri regarding this matter. I also send my letter to XXXX XXXX XXXX XXXX with confirmation number XXXX in which was ignored as well. But the credit bureau says they have proof of what they are claiming but has failed to submit me any proof. I send the credit bureau a notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ). In which was ignored and I am attaching my letter to this complaint as well that I send. They refused to tell me in writing what information they refuse to remove and why. Also they refused to tell me in writing what they did to determine that the information was accurate. The claim has been UNFOUNDED and so are ILLEGALLY REPORTING. In my letter I stated the following : The alleged yet unproven to be correct, complete, timely, mine, my responsibility, FCRA compliant, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them or not.
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

This is a letter I am mailing to the company. I already talked to them on the phone, but I want to send a formal complaint in writing. It has all of the pertinent information in it. 

" To whom it may concern : I am writing this letter in regards to my American Express Serve/XXXX XXXX card. It was brought to my attention yesterday ( XX/XX/2019 ) that my account was permanently closed due to a violation in the member/user agreement per Section " 15D ''. I have read such section, which is very vague, and I am not sure what " violation '' American Express is alledging I did. What a way to do business! I was NEVER contacted, PRIOR to you closing my account. Instead of you attempting to communicate with me to ensure my account was protected, or even find out if I was aware of suspicious activity, you close my account. I work for the XXXX XXXX ( a XXXX XXXX ), and I have NEVER done anything illegal and/or inappropriate with my card. I am formally notifying you that there obviously been some fraudulent activity relating to my card, that I was not aware of, and your company so graciously waited until AFTER the alledged activity to make me aware of it. Via the Freedom of Information Act, I am requesting a copy of ALL my transactions connected with your decision to close my account. I am also requesting arbritration for your decision. I am also contacting the XXXX, Consumer Protection, FCC, Ohio Attorney General, and any other entity or individual I can think of that can assist me with this matter. 

I only used this card in a " normal '' fashion, the same as an average person would. Subsequently, whatever you are alledging I did that resulted in a permanent closing of my account, was NOT of MY doing, or MY authorization/permission. Someone has infiltrated my sensitive information and your " company '' is punishing me for it. 

I feel the way American Express has handled this is NOT best practices and really is an indication you have no concern for the cardholder. 

I would appreciate a timely reply, and that this reply has as much diligence and enthusiasm you did when you arbitrarily and capriciously made an unilateral decision to close my account. ''
Consumer complaint received 2020-03-19
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)

I applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.
Consumer complaint received 2020-04-27
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I purchased XXXX XXXX XXXX concert tickets from XXXX for a performance that was supposed to take place on XX/XX/XXXX. I purchased tickets for a specific date and time that worked for my family and I. This concert was cancelled for my purchased date due to the COVID-19 issues. 

I called XXXX within the hour after the band announced the cancellation to obtain a refund. They were unwilling to give a refund saying that the concert will probably be postponed. To date a rescheduled performance has not been announced. You can verify this by going here : XXXX XXXX   XXXX Under " RESCHEDULED EVENTS - NEW DATE CONFIRMED '', XXXX + XXXX is listed but there is no date. Even if new dates are announced, I purchased tickets for a specific concert on a specific day. 

XXXX is the only company that has not refunded me for items impacted by COVID-19. I had a rental car setup for this trip and even though it was " non-refundable '' they were the first to refund me. The hotel I was going to be staying at also gave me no trouble with a refund. I had " non-refundable '' tickets for XXXX at the XXXX XXXX and they refunded me with a simple email. Same for my airport parking reservation. 

XXXX has misleading and deceitful policies. It is such an issue that they have just been hit with a {$5.00} XXXX class action lawsuit for failure to refund ticket holders during this pandemic. No company should be able to withhold a client 's money because their business model is flawed and they " might not survive this '' financially. You can very this here : XXXX : XXXX I opened a dispute with my credit card company, Citi. They investigated but sided with XXXX and reversed the conditional credit I was issued. I have been a Citi Card member since XXXX and am disappointed in the way they handled this case. Citi never asked for documentation about what happened. Citi never asked for my side of the story. Hold times to reach a representative is over an hour. I charge upwards of $ 5000/month on this card. Apparently my business and XXXX credit score means nothing to them. 

I am asking that Citi credit me for the purchase at XXXX. I use this credit card because of the supposed consumer protections I receive when doing so. Right now they are non-existent. I wish to remain a loyal Citi Card customer. Please do the right thing Citi.
Consumer complaint received 2020-04-27
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. (FL)

I recently sent in a dispute with Experian asking them to verify the validity of 3 accounts on my credit report as well as some late payments that I had. They refuse to investigate and just saying that it has been verified, but when asked their method of verification that refuse to provide valid proof of the original signed contract. Additionally the same account that was disputed with XXXX  was deleted as they were not about to verify the validity of the account. I have demanded that they reinvestigate and they have continued to refuse to do so.
Consumer complaint received 2020-04-27
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: JPMORGAN CHASE & CO. (CA)

Theres is a chase account that has a balance of almost {$25000.00} show on my credit bureaus and is showing delinquent and 150 days past due. Ive never had any knowledge of this account ever yet I been in contact with chase and even issued police reports and they want to hold me liable for this account. 

I never benefited once from this account or have any knowledge for why it was being used till it reported to my credit. I been trying to fight this for a year and remove it off my credit but chase isnt helping me at all to remove it. 

This is horrible that my credit has been ruined over this credit card thats not mine and i sent plenty of proof it wasnt mine nor opened by me yet chase wont listen
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (PA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 2 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK XXXX XXXX XXXX XXXX XXXX  Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

XXXX Equifax - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX Equifax - RE : Request to provide Method of Verification XXXX Equfax - 3rd and Final Notice to Cure XXXX XX/XX/XXXX -1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX XXXX RE : Request to provide Method of Verification XXXX XX/XX/XXXX XXXX XXXX and Final Notice to Cure XXXXXX/XX/XXXX-1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX- RE : Request to provide Method of Verification XXXX XX/XX/XXXX - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX XXXX whom has given me authorization to dispute items on her report as well. ( See Complaint # XXXX / # XXXX / # XXXX )
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I deposited a check into my Debit ( Checking ) account. I have proof of deposit. On XX/XX/2019 my bank took that same amount of money out of my Checking account ( On the statement it reads : Debit Adjustment Duplicate Item reversing deposit made on XX/XX/19 as duplicate it em. followed by a reference number and ISN number. ). It shows a minus sign ( signifying withdrawal ) followed by the amount listed. The issue is simply that the amount was not a duplicate deposit. It was deposited only once. I have proof in both documentation form ; via receipts, my bank statement and photographs of balance changes, as well as proof from witnesses at the bank branch itself who saw all of this information, found it confusing, contacted customer service over the phone and still werent able to get it solved. I also contacted, upon one of the employees recommendations, the customer service specialist number provided in my mobile banking app ( unfortunately, they also werent able to understand or solve this issue ). So, I have an already withdrawn amount to my bank for absolutely no verifiable reason.
Consumer complaint received 2024-11-21
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. (NC)

I am writing to notify you that I have been a victim of a data breach, and as a result, an unauthorized inquiry appears on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and removal of the following inquiry from my credit report : Unauthorized Inquiry : XXXX Date : XX/XX/2023
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX around XXXX XXXX  an ad was posted on XXXX  for a switch bundle for {$210.00} under the account name XXXX XXXX. I showed interest in the product and they asked if I could pay through Paypal family and friends to " not get charged the extra fees ''. Then about an hour or two after I had paid for the item the same images under the same account were posted with a similar but slightly different description and by the next day the user profile was deleted from depop. I am now aware that XXXX has no responsibility for this since the payment was not submitted through the app and pay pal is not recommended when buying off XXXX. I have reported a dispute through Paypal. The payment was a split between {$140.00} of PayPal Cash Plus balance and {$69.00} from a XXXX XXXX visa. I called XXXX  XXXX to file a claim on a fraudulent transaction.
Consumer complaint received 2019-11-08
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
1 XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX /XXXX  XXXX 5. XXXX XXXX  Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 
Thank you. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-21
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. (CA)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XXXX - $ XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX U 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 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  XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX  - XXXX - XXXX - $ XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have several accounts currently in dispute and I have been unable to get assistance on how to support my argument with the police report evidence that pertains for a fair investigation.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : AMEX XXXX, AMEX XXXX
Consumer complaint received 2020-04-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivable Asset Management (AZ)

First communication with company was on XX/XX/XXXX. A voicemail was left on my phone from number XXXX XXXX XXXX XXXX from XXXX XXXX, presenting herself as a case manager from Kramer and Associates, advising she needs mine or my attorney 's statement for a time sensitive matter and left call back number of XXXX XXXX XXXX XXXX, referencing case number # XXXX. I called them back and expressed my frustrations how they are attempting to collect on such an old debt when they know the country is experiencing a pandemic and this whole ploy is just to collect the stimulus money of hard working individuals. When I asked for their corporate address to further express my disdain with their collection tactics, I was hung up on. They blocked my number, and every time I call from my phone XXXX XXXX XXXX XXXX, I get rapid busy signal. Today, XX/XX/XXXX someone from the same number XXXX XXXX XXXX XXXX called me again, and left a voicemail that said " go ahead and serve her with court date '' and disconnected. When I tried calling back I received rapid busy signal once more. I have copies of voicemails if needed. I am not able to save and upload.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I contacted Bank of America as soon as I realized my personal information has been compromised. From the beginning, I was not offered fair and just assistance. I feel that Bank of America wrongfully discriminated against me and refused to assist me in this sensitive matter. I was able to get the copy of the fraudulent checks that were deposited into the account by the scammer. It was very clear that I was not in the state of Illinois when these checked were deposited, nor is my signature on the fraudulent checks. Instead, Bank of America did not investigate, closed my account and reported the account as fraud to XXXX  and XXXX XXXX XXXX. This was unfair and discriminate behavior to a very long standing customer. The only resolve is to have my XXXX XXXX XXXX report clear of their Bank of America erroneous entry.