davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (MA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are 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. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-07-06
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. (TX)

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (WI)

For 3 months withdrawals were made by XXXX XXXX  from my Associated Bank business and personal account without my knowledge or consent. I disputed the charges from my personal account after I was notified by Associated bank about one of the charges from the unauthorized cash ap account on my personal account. ( I also had a cash ap account that I authorized on my personal account. ) I received a refund for my personal account. Then I noticed the same fraud occurred in my business account over the same period of time. ( I did not have a cash ap or any other electronic transfer service attached to my business account ) My dispute of these fraudulent charges was denied and I was banned, without notification, from having debit cards, which has had adverse effects on my business and emotional well-being. I did not authorize these withdrawals and I was not notified of them by cash ap or Associated bank. Also I was not told how I could better protect myself or how my account was breached or how they arrived at their decisions.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

I was mailed a new credit card because the old one expired so i updated it in my XXXX XXXX  right after i activated the new card. XXXX XXXX  sent me a link to call my credit card company so i did. I went thru the verification process today XX/XX/23 calling on my registered mobile phone ( the only number i have ever had with them ) and answered all the info correctly but then they said i needed a land line to to continue verification which i dont have. They also asked me for another credit card which i dont have ( and if i did why would i give them the info on it? ) so they said the only way to verify was to wait to receive a letter in the USPS mail which would take 5-7 business days and they were locking me out of my card until i received the letter. I was supposed to go visit my family down state but now i cant leave home until this letter comes in snail mail. Totally ridiculous. In the past they called me on my mobile to verify a purchase and now that number is not good enough?
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

On XX/XX/23 I attempted to transfer funds from my outside bank to Chime using Chime 's instant transfer option. I entered my debit card and attempted to transfer funds. It was rejected. I attempted it 4 more times but continued to get rejected. The amounts were roughly {$400.00} but it is difficult to recall exactly since I don't have access to the account anymore. Shortly afterwards, I received an email stating my account is on hold. They asked me to submit information to help release the account which included my state ID, utility bill, proof of the debit card that was used and an explanation. I submitted all this information on XX/XX/23. 

While I understand that the bank was closed on XX/XX/23, the subsequent emails I received on XX/XX/23 showed that I am unable to actual speak to anyone at this " special team '' to explain further what happened. I have submitted all the information 5 times via email and uploading it via their website. I continue to get emails stating that there are things missing. I have uploaded everything exactly as they specified, yet I am getting auto-generated replies saying " we'll look into it '' followed by instructions to upload the files again ( which I have done MULTIPLE times ). I attempted to speak with supervisors but they could do nothing more than send a message on my behalf. When I asked to speak to their managers, they said one is not available and there is no other way to contact them. So now I am left with approximately {$1100.00} in my account that I do not have access to. I can not pay my rent, I can not pay my bills. I will likely incur late charges and this situation has put me in a bad place with my landlord.

One of their requests is that I send them proof of the debit card I used when I attempted the transfer. I have sent them my bank statement. However, they want my debit card number to appear on my statement which is just not how things work. Statements don't include numbers to the debit cards, they have an account number and those two numbers are obviously not the same for security reasons. Yet their auto generated responses keep asking for this information and explaining to them the problem does not help.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number:XXXX Account name XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
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)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$3500.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$3500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I applied the Citibank AAdvantage XXXX Credit Card on XX/XX/XXXX, and got approved immediately. then i was issued a " vertual card number and information '' so that i can start use it immediately. 

I used this card for several online purchase. 

Then i received an Email informing me that there are payments due on XXXX XXXX however, i have not receive the physical card yet. so i can not register my online account to make the payment. 

So, I called the customer service, trying to make the payment. The customer service representative told me that they would need to verify me before making any action. The only way of verifying me is by sending me another letter. i have to receive the letter then call them again. but now more than 1 week have passed, and my credit card is almost due, but i still have not receive any letter for verification yet. 

I just want to make the payment to my credit card so that it will not affect my credit history.
Consumer complaint received 2023-07-04
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)

Let this letter serve as formal notice that you have failed to respond to my dispute letter. I sent a letter requesting that you reinvestigate or delete dispute items from my credit report as well as temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. Attached is the letter that was sent in XXXX which is dated and time stamped.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have reported this problem to you guys before in XXXX Claim number XXXX. The results we that military orders werent presented and that it shouldve been removed from the equifax report as it was already removed from XXXX and XXXX reports XXXX XXXX XXXX is still reporting as of XXXX XXXX to equifax that have an open balance of XXXX on an account closed in XXXX
Consumer complaint received 2024-02-04
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: Bread Financial Holdings, Inc. (TN)

I opened a Dell Preferred Account with {$1500.00} limit on XX/XX/XXXXXXXX XXXX XXXX I experienced no problems. I received a notice on XX/XX/XXXX that Dell was transferring the account from XXXX to Comenity Capital Bank. This transfer was to occur as of XX/XX/XXXX. 
XXXX and Comenity Capital Bank reported the account to credit reporting agencies for months. I attempted to rectify the issue with no success. Additionally, Comenity Capital Bank is reporting erroneous information. 
I attempted to correct the issues directly with Dell, Comenity Capital Bank and XXXX XXXX to no avail. 
XXXX and XXXX are no longer reporting the XXXX account. I disputed the information with XXXX requesting the duplicate reporting cease. I received a response on XX/XX/XXXX indicating INVESTIGATION RESULTS- VERIFIED and UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. 
There is no way this could be true. Therefore, I sent a letter more fully explaining the error to XXXX and requesting the method of verification under FCRA Section 611 ( a ). 
I received a response again stating that INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. regarding information reported by XXXX. XXXX indicated INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. regarding the information reported by Comenity Capital Bank. 
XXXX provided no information or documentation responsive to my request about the method of investigation as required by federal law. 
The following errors still exist on XXXX reports : 1. The same account is being reported as DELL FINL SVCS XXXX XXXX and COMENITYCAPITALBANK/DELL. 
XXXX. Both accounts have erroneous information. 
a. DELL FINL SVCS XXXX XXXX reflects the following erroneous information : i. Balance of {$1300.00} XXXX. Last payment of {$500.00} on XX/XX/XXXX b. COMENITYCAPITALBANK/DELL reflects the following erroneous information : i. XXXX XXXX - 30 days late XXXX. XX/XX/XXXX - 30 days late I also disagree with the late payments reported by both in XX/XX/XXXX and XX/XX/XXXX. I am obtaining the supporting documentation to further dispute this as well. 
Comenity Capital Bank is also reflecting my account as having no available credit ; however, the balance owed on the account is currently reflected as {$450.00} with a {$1500.00} credit limit. The response to my inquiry was some nonsense about me placing a cease-and-desist notice on my account in XX/XX/XXXX. All requests for proof of this are ignored. 
This is severely damaging my financial stability and resulted in the denial of credit.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent inquiries 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 inquiries 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 inquiries 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 XXXXXX/XX/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 identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-06
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)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.