davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
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. (NY)

Subject : Request for Documentation and Compliance with the Fair Credit Reporting Act Dear XXXX  XXXX, I am writing to express my concern over the continued reporting of a charge-off account on my credit report, which I believe to be inaccurately reported. In light of this, I am formally requesting documentation to verify the accuracy of this reporting, as is my right under the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX  XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX  XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : This is a violation of my consumer rights, please delete immediately It is imperative that I receive concrete evidence showing that your reporting of this charge-off is entirely accurate. My objective is to ensure that my rights under the FCRA are not being infringed upon, especially regarding accurate and fair credit reporting practices. 

Given the serious implications of inaccurately reported credit information on my financial health, I urge your company to review this matter promptly. If the reporting of this account can not be verified as accurate, I request its immediate deletion from my credit report to comply with the FCRA 's requirements. 

I appreciate your immediate attention to this request and expect a timely response to this matter. Ensuring the accuracy of credit reporting is not only a legal obligation but a matter of financial integrity and consumer trust. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-10
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. (CA)

I wish to lodge a complaint about my  Costco Citi Visa car d. I discovered that the card had been disabled on  XXXX   XXXX  when it was refused at  XXXX    XXXX    XXXX  in  XXXX , CA. I had inadvertently missed the  XXXX  monthly payment specified in the  XXXX  statement. The  XXXX  statement specified a  XXXX   XXXX  due date. I had several weeks earlier scheduled full payment by that date, including the late payment fee and accrued interest. Since that statement due date had not been missed, there was no reason for Citi to disable my card.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (NC)

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXXXXXX I WORK AT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OPENED XX/XX/2020, {$1400.00}, XXXX XXXX A.- XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX XXXX {$250.00} MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE screenshoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX 

The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-01-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

XXXX XXXX XXXX XXXX also have never worked at XXXX XXXX XXXX XXXX XXXX XXXX Nor have I worked at XXXX XXXX  XXXX I work at XXXX XXXX. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE DO NOT PLACE AN ALRET ON MY CREDIT REPORT I WILL KEEP AN EYE ON IT.

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( XXXX XXXX XXXX XXXX. The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, XXXX XXXX
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.

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 2024-11-09
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. (MD)

XXXX XXXX, XXXX D.O.B, this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false info consists of credit card and installment account opened at XXXX XXXX on XX/XX/year> acct XXXX, XXXX XXXX opened on XXXX acct XXXX, XXXX XXXX XXXX opened on XXXX acct XXXX. These accounts have resulted in several fraudulent late payments appearing on my consumer FICO credit report. I demand that these items be removed from my consumer credit reports and that all related to said items cease pursuant to my rights within the FCRA and FDCPA law. These aforementioned accounts were not initiated by me they were a result of identity theft and fraud. I have attached a copy of a FTC identity Theft Criminal Complaint FTC Report Number XXXX as proof from the US Federal Trade Commission that all information in this report is accurate. My information was found in the XXXX Data Breach.
Consumer complaint received 2023-01-19
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. (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 # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX & XXXX XXXX XXXX, Account name : 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 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 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

My complaint is as follows ; In XXXX years of life I have never paid a single dime in interest on any credit cards. I have owned my home for 32 years, purchase in XX/XX/XXXX with a 30 year mtg, refinanced in XX/XX/XXXX with a 20 year mtg and then paid off the mtg about years early. I have purchased at least XXXX brand new cars over the years for cash, leased XXXX others and purchased XXXX others with partial loans, all paid off early or in one case on time. I have financed XXXX my children 's college educations over the last XXXX years without any subsidies or loans of any kind, not a single dime owed by me or my children. All of my credit card bills are paid in full each month, no interest ever paid. The only blemish is for a {$15.00} fee with one of my banks paid late which is now in dispute with EXPERIAN. This blemish has already been removed from the banks records according to the bank. This past week I attempted to rent an apartment for my daughter at near new college as she will now be completing her XXXX Degree. I have been denied this apartment because I was told that my credit score was under XXXX. 
I checked on EXPERIAN 'S website and this information appears correct. My Complaint is XXXX fold. One, I think that that the way they have computed my score is wrong. When I called EXPERIAN today and called them on how they computed my score I was told there is some computer algorithm that computes the score. My second complaint is how on this EARTH can I have such an appallingly low credit score based on the information I have provided you and it is my opinion that the way they determine these scores is somehow corrupted. If you agree with my complaint and will go forward I will provide any information you need to support the basis of my complaint, which in fact EXPERIAN should have anyway.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MA)

To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart below, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX Dear XXXX XXXX XXXX, I called Chase VISA fraud department the other day and they requested I send another letter to your attention regarding my matter of fraudulent charges on my Chase Visa credit card. The charges on XX/XX/XXXX were in the amount of {$42000.00}. I have been writing letters and sending them certified mail and calling to resolve this matter for over a year and to have the fraudulent charges removed from my account. I have not had any luck and have been passed around from person to person and no one saying they can do anything to assist me resolve this matter. 

Here are the facts of this matter : 1- Fraudulent charges made XX/XX/XXXX for {$42000.00} 2- On XX/XX/XXXX I was requested to send a certified letter which I did to your attention and you signed for it 3- On XX/XX/XXXX I went to Chase bank in XXXXXXXX XXXX and spoke with branch manager XXXX XXXX, who got on the phone and spoke with a Chase representative in the fraud department 4- I have been a Chase VISA card member for nearly 40 years and anytime over those 40 years if I make a large purchase for over {$4000.00} I immediately give a call from VISA and they ask if it was myself that made the purchase 5- Yet on XX/XX/XXXX a charge for {$42000.00} is made and I never received a phone call 6- I have no idea who made these charges, where it was made nor what was purchased for those charges I am looking to resolve this as it is effecting my credit score and it has been going on for over 1 year. In addition I wanted to use my credit card and need a new one issued once this matter is resolved. I thank you for your help in this matter and look forward to its resolution. If this matter can not be resolved you will leave me not choice but to report this to the FTC to have them be in contact with you to resolve this matter. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit card # - XXXX
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I placed an order for 50-inch hair/wig/bundles in the amount of {$3100.00} from XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXX The business told me to wire the money and I was immediately informed that he did not have the hair available. He told me that I would have to take him to court in order to get my money back. He refused to provide me with his address so the Sherriff could properly serve him. I had to hire a private investigator to obtain his address. The private investigator informed me that he was evicted from his residence. I had to spend another {$2300.00} on legal, court fees, and private investigator fees and we have been unable to track him down. He blocked me on XXXX, and he is currently on the run. He called me recently and stated that he does not have my money and neither does he have the hair business anymore. He said my order was held up in customs and that was not his fault. He also said there is a no return policy. This guy is a FRAUD and a SCAM artist. Please help me get my money back by reversing the XXXX XXXX. 

Please see what I have done to try and recoup my funds back On XX/XX/XXXX I asked for a refund and he refused On XX/XX/XXXX I filed a police report with the local authorities On XX/XX/XXXX I filled a claim with CHASE bank to reverse the transaction and they informed me that I would have to contact XXXX On XX/XX/XXXX I tried to reach out to XXXX but there is not live contact to dispute the matter On XX/XX/XXXX I filed a compaint with the internet crime compliance center On XX/XX/XXXX I fired a private investigator to obtain his residence, but he was evicted On XX/XX/XXXX I filed a court case, but can not pursue the case without his address and without being properly served https : XXXX? XXXX On XX/XX/XXXX He called me and stated the does not have my money and that my product was held up in customs and it was not his fault. He refuses to refund my money. 

I am scammed out of over {$5300.00} as a result of this matter. I am tired and exhaused and I need intervention. My bank, police department, goverment agencys, and county court have not been able to assist me. I desperately need help in this matter. I am seeking justice and need immediate assistance. Please help Please find the details below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Residence evicted from ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( possible current address XXXX XXXX XXXX, Florida XXXX XXXX XXXX, Florida Business Number XXXX cell Website https : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts 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 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. Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-12
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: Chime Financial Inc (OH)

I have submitted documents to chime 4 to five documents concerning XXXX XXXX sold me bad tickets, they did not sell me the correct tickets they took XXXX out my checking account for a show that had ended and closed. I had to repurchase tickets on XXXX XXXX because I was robbed of my monies. Chime bank took the side of the merchant which says chime is as guilty as them. Not acceptable
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2023, I received multiple emails stating that I had opened an account at Bank of America and I needed to confirm my updated email address. I did not authorize the opening of any accounts and do I bank at Bank of America. I did contact the company 's fraud department and they did confirm that an account was opened in my name, and did close the account. I was advised to file a complaint with Consumer Finance and put a freeze on my credit. I also subscribe to a credit monitoring services. This company had all of my personal information and has created some fear.