davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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. (MO)

I trust this letter finds you well. I am writing to express my sustained dissatisfaction and frustration regarding the unresolved issue of fraudulent items persisting on my account despite multiple attempts on my part to address and rectify the situation. 

I have diligently pursued the correction of these entries through numerous attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account. 
Submitted a formal written complaint, providing detailed documentation and evidence supporting the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process. 

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 Number : XXXX Account Name : XXXX Account Number : XXXX 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 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute and request the correction of inaccurate late payment information that has been reported on my credit report. I have carefully reviewed my credit report from your bureau, and I have identified discrepancies regarding late payments that do not accurately reflect my credit history. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

Please provide a written response acknowledging the receipt of this dispute within 30 days, as stipulated by the FCRA. Additionally, I request that you inform me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of consumer credit reports. If you require any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

There was an account opened in my name while I was XXXX which resulted in fraud that I did not have any knowledge of. I truly am just trying to build my credit because someone used my information and opened up these accounts without my knowledge. This is affecting my ability to buy a car and town home please help me get rid of this.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I made several complaints and finally got to go into the branch to show my ID and XXXX XXXX XXXX to get my money back ( I tried opening a checking account and funded it with {$100.00} ) to get my {$100.00} back. They said it would be mailed to me. That was on XX/XX/2023. I have never received my money they stole from me.
Consumer complaint received 2023-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2023, I attempted to transfer funds to my husbands paypal account. I was immediately met with an alert that said my account was suspended and to check my email for further info. The email asked me to send my drivers license and a picture of me holding the same license. I called and asked for explanation l. The custimer service reps simply saifld they cant help and the correct department can only be reached through email. I responded to the email asking for my funds to be released. They then asked me for ANOTHER picture of my license and a bank statement. I sent those 2 but expressed how uncomfortable I was sending this personal info to someone I cant talk to. I called customer service back 5 times only to be told I have to wait for a response from " the servixellce department '' they only respond via email. They still gave no reason for the freeze and I can not even trabsfer my $ XXXX out of Venmo to be safe in my bank account.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (VA)

PNC insists on holding this checking account open, despite my repeated requests to close it. It should be illegal to hold open a customer 's bank account against the customer 's express wishes. This account has a XXXX balance, and no outstanding transactions or recent activity. Keeping a dormant account open makes a consumer vulnerable to identity theft and fraud. I do NOT want phone calls from PNC. Just immediate account closure.
Consumer complaint received 2023-12-10
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 (NV)

I have been disputing this fraudulent account for over a year with American Express, XXXX, XXXX, XXXX. American Express sends me mail stating that " I have used the card for personal use ''. All three credit bureaus deleted the account before but popped back up a month later as " Verified ''. Nobody has been able to show me proof of ownership of the account. I haven't signed for anything. I have made a police report as well as reported account to the FTC.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction, Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( g ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have the actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to DELETE THIS ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15USC1692G ( 4 ). 

XXXX. ) XXXX XXXX XXXX  ; Acct. No # XXXX ; Date Opened : XXXX ; XXXX. {$470.00} XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$480.00} ; XXXX. ) Credit Collection Service ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$640.00} ; and XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$1400.00}. 

ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 
If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

All Rights Reserved Without Recourse.
Consumer complaint received 2023-12-10
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NY)

Prior to today, XX/XX/XXXX, ( likely XX/XX/XXXX ) I received multiple harassing phone calls where I was asked exceedingly stupid and irrelevant questions. I am authorized to discuss with Chase and compel chase to take action the SBA seeks that I have Chase undertake regarding an alleged PPP loan which must be a grant.

Chase bank also received from the account holder a secure message which is a form that Chase themselves sent to us for the sake of authorization. In that authorization I made sure we included an older CFPB complaint number. Despite doing all this Chase bank isn't cooperating with us in regard to these PPP loans. Chase made representations to us about the forgiveness of these loans the refund of payments made to them, yet now Chase is instead mocking us on the phone very frequently.
Consumer complaint received 2023-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (FL)

XXXX  XXXX XXXX ( XXXX ) did not respond to my challenges and did not received my Diploma and i reach out to MOHELA and The Department of Education to further take actions againts the School. I asked MOHELA to freezes the loan, but no responds. I hope this does not affect my yearly income taxes or i will retaliate.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 report 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-01-05
Product: Credit reporting 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. (AZ)

This complaint serves as a follow up notification regarding my unfortunate encounter with identity theft in the previous complaint dated XXXX. In compliance with Section 605b of the Fair Credit Reporting Act ( FCRA ), I have formally reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. As outlined in FCRA guidelines, Credit Reporting Agencies bear the responsibility to investigate all inquiries specified in an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached herewith are documents intended to facilitate the investigation of inaccuracies currently reflected on my credit report. The listed inquiries are not associated with my identity. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are compelled to initiate an investigation into any information identified by the consumer as resulting from alleged identity theft, no later than four business days from the date of receipt.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I called into Citibank to sign up for an XXXX XXXX XXXX XXXX XXXX. I had seen a promotion in the XXXX XXXX XXXX for XXXX bonus miles for {$7000.00} spend over 3 months. I went on the website and saw the same promotion online. I called Citibank, they said I qualified and would be sending me my card soon. As the promotion was one of the reasons I was signing up I verified with the agent that I would be receiving my XXXX bonus miles after spending {$7000.00} within 3 months and she verified this. Well after receiving my card I had some questions regarding tracking of loyalty points and spoke with the XXXX XXXX loyalty program and she mentioned that they could see my new Citibank card and the promotion for {$10000.00} spend over 3 months and XXXX bonus miles. I was shocked I said I didn't sign up for that, it's another {$3000.00} spend over the promotion I had signed up for and nobody informed me of that. Another {$3000.00} dollars is a big deal and I would have had second thoughts if I had been truthfully told that my promotion was spending {$10000.00} within 3 months for XXXX miles. Citibank is an unethical bank and they need to be punished, I am not the first person to get this bait and switch scam run on them, as I did my research and found many people have endured the same scam. Citibank is clearly signing consumers up for promotions that they are not aware of that are at a higher spend for 3 months and not informing them and not providing any information in the welcome packet and hoping that the consumer doesn't find out and ends up missing out totally on the promotion miles because they have underspent the hidden promotion minimum spend. This card has an annual fee of {$590.00} and provides some perks that I want but I signed up because I would spend about {$7000.00} within 3 months but {$10000.00} is a stretch. I spent time on the phone with Citibank which kept blaming XXXX XXXX and XXXX clarified that indeed it is Citibank that is responsible for promotions. After being told by Citibank there was nothing that could be done, they finally gave me an email address XXXX that I could write to and complain. I sent an email to them explaining the situation and I was sent a letter that said that I was enrolled in the XXXX bonus miles for spending {$10000.00} within the first 3 months. I feel that at every point they have had a chance to do the right thing, we are not talking about a mistake, we are talking about an intentional misleading of consumers and Citibank needs to be punished. At this point I am so livid they should have to give me XXXX miles for wasting my time, misleading me and intentionally trying to hide what they have done so that consumers miss out on Bonus points totally.
Consumer complaint received 2024-01-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IL)

Our lease ended in XXXX 2023 and I inquired about final utility payment. The management company told me they would reach out in a couple months. Guess what? They never did and now I have a debt collector emailing us a couple months later and our credit score has gone down. This is absolutely ridiculous and unnecessary. Shame on you XXXX  XXXX. You already had lost our rental agreement and now this? Pathetic company. I want my credit score fixed and proper notice. What a scam of a company.