davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (MD)

I just received alert from XXXX that an account had been opened at JPMorgan Chase On XXXX, JP Morgan Chase reported a bank account opened with your SSN.

Company : JP Morgan Chase Reason : Inquiry Inquiry Date : XX/XX/2023 Phone : ( XXXX ) XXXX I tried calling the number and you can not get a customer service person unless you provide an account or credit card number. I then googled JPMorgan Chase Fraud Dept and after trying 3 different numbers, and finally XXXX finally gets me to the " Fraud Department '' and the XXXX XXXX I spoke to XXXX XXXX who said he couldn't give me an other details to identify him except his Managers name ( Jaise ), whom he would not transfer me to and XXXX has no ability whatsoever to as someone who is supposed in JPMorgan 's Fraud Department to identify the account and close it... 

XXXX was more focused on being as absolutely condescending as he could possible be instead of listening to me explain I HAVE IDENTITY THEFT ON MY CREDIT REPORTS SO HOW EXACTLY DID JPMORGAN JUST allow someone to OPEN AN ACCOUNT!? XXXX 's response was to begin to explain to me how a checking account is opened. Seriously. HE ASK ME FOR NOTHING but my SSN, so how the ___ he could verify that I am the person with the SSN when I just told him someone opened an account fraudulently. 

So, to JPMorgan Chase. I did not open an account with your bank... ever. AND I request you provide me the information needed, where the account was opened, what State, what identifying information was used so I can file a new police report and notify the FTC that JPMorgan Chase is opening accounts for people 's whose credit reports are flagged for identity theft. 

And yeah, what was XXXX 's answer. Call tomorrow. Talk to someone else.
Consumer complaint received 2023-07-14
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. (AR)

I am a victim of ID theft and most companies have happily removed their listings from my credit report. The following companies just keep verfying accounts as mine and reporting them to the three bureaus as well as XXXX XXXX XXXX and XXXX. XXXX XXXX  XXXX, XXXX XXXX XXXX, and the Collections agency that purchased the fraudulent XXXX XXXX XXXX account. i have also been unsuccessful in getting the CRAs to block these records from my report.
Consumer complaint received 2023-08-07
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. 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 representative.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MI)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint regarding inaccurate personal information on my credit report, which is being reported by Experian Credit Bureau. The incorrect information pertains to my address, name, date of birth, and employment history.
Consumer complaint received 2023-07-14
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. (FL)

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 Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-06
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. (NV)

Dear TransUnion, There is information that is 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 blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I wrote a letter to 'Experian " dated : XXXX ' and received a response via email XXXX '. Theres been an update under the 'Comment ' section under collection account ( XXXX XXXX XXXX ) which states " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX. There was no original contract that couldn't be provided due to its unverified and inaccuracy. How would an account be " ..Meeting requirement of the Fair Credit Reporting Act ). '' with multiple errors being reported. 

Violation of FCRA Section 609 ( 15 U.S.C. 1681g ) : I requested from Experian all information related to this alleged collection account, including the original contract or agreement with CREDENCE RESOURCE MANAGE. This request was made on XX/XX/2023. However, to date, I have not received the necessary disclosures required by Section 609. 

Violation of FCRA Section 611 ( 15 U.S.C. 1681i ) : I have disputed the accuracy of the collection account with Experian, primarily because I have not been properly notified of the debt, and due to inconsistencies in the reported terms of the account. Despite my dispute, Experian has not adequately investigated and corrected the information as required by Section 611 within the statutory 30-day period.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute for Inaccurate Credit Reporting Dear Trans Union I hope this letter finds you well. I am writing to formally dispute certain information inaccurately displayed on my credit reports, as provided by XXXX, Transunion, and XXXX respectively. The inaccuracies observed concern the following accounts : [ list all inaccurate accounts, including account numbers, if possible ]. 

Upon reviewing my credit reports obtained from your respective agencies, I have identified false information that is detrimental to my creditworthiness. The inaccurate items include [ describe the inaccuracies specifically, such as incorrect balances, missed payments, or inaccurate account statuses ]. These discrepancies have significantly affected my ability to secure credit and obtain favorable lending terms. 

To rectify this situation, I kindly request that a thorough investigation be conducted regarding the disputed items referenced above. I believe these inaccuracies stand in clear violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, I am entitled to accurate and verifiable credit reporting information. 

In accordance with my rights under the FCRA, I hereby submit the following documents and supporting evidence to strengthen my dispute : XXXX. Copies of the credit reports where the inaccurate information is being reported, highlighting the disputed items. 
XXXX. Documentation demonstrating accurate and up-to-date account information, such as payment receipts, account statements, or correspondence with the respective creditors. 
XXXX. Any other relevant supporting documentation that can assist in resolving these disputes. 

I kindly request that you acknowledge receipt of this dispute letter within 30 days as required by the FCRA. Additionally, I respectfully request that you provide written confirmation and an updated credit report once the investigation has been completed. 

Moreover, please ensure that all information supplied to other entities, such as financial institutions and potential lenders, is corrected, as it has caused unwarranted harm to my credit reputation. 

Thank you for your attention to this matter and your prompt resolution of my dispute. Should you require any further information or documentation, please feel free to contact me at the contact information provided above. I appreciate your cooperation in restoring the accuracy of my credit reports. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-06
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)

I have called and sent multiple letters, to the credit reporting agency and have not received. Proof of their investigation and proof that the lender was authorized to make the inquiry, or delete the inquires disputed. The inquiries disputed are. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX. I exercised my right to dispute inaccurate information with XXXX and Equifax according to the FCRA. The credit reporting agencies, XXXX and Equifax received my information via certified letter. They utilized my dispute letter as a means to retaliate and/or attempt to punish me by ignoring my dispute, intentionally and deliberately added unreported information to my credit file to cause me a deliberate credit injury of my character and credit worthiness. Here is a list of information that was deliberately and maliciously added to my credit report : XXXX ADDED ON XX/XX/XXXX via File # XXXX XXXX XXXX XXXX MICHIGAN EQUIFAX ADDED ON XX/XX/XXXX XXXX XXXX ACCOUNT TRANSFERRED OR SOLD '' -XXXX XXXX- '' CHARGE '' XXXX NAME OF " XXXX XXXX XXXX XXXX '' after submitting proper documentation XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AR)

My Chime checking account was hacked 3 times in the period of a month and a half. Every time I would call immediately and freeze my card and prove my identity while I waited for my account to be available again. On XXXX the XXXX I had started a transfer of {$250.00} to my XXXX XXXX account. On the XXXX, the final hack, I rushed to get the remaining funds out of my account before the hackers robbed me of it. I spoke to a Chime support member while doing so. She informed me my transfer had gone through and now that I had withdrew the rest it was safe to close my account. Well the transfer DIDNT go through and Chime wouldnt even let me back in my own account after verifying my identity numerous times and with a new Drivers license number! I tried n tried to gain back access, spoke to several managers claiming they were working on it. One even promised he would run the tapes from that day and listen to his employee that helped me that day. No word for 3 months from Chime. In fact, they told me they couldnt access my account bc I didnt know the email ( the hackers ) associated with the account. This is even with my account, routing, and card numbers ready and willing to share just to do so. I finally filed complaints with the XXXX and the XXXX XXXX website. I finally just a few days ago was allowed back into my account which had a total of {$5.00} as the balance. No word of my {$250.00} that just disappeared. So I ask again. They inform me they are gon na contact XXXX XXXX and see what happened. The transfer never went thru, therefore Chime would still have it, but the real question is, where did my money go??!
Consumer complaint received 2023-08-06
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. (NY)

I have disputed the information with Experian in regards to an account in collections. as of XX/XX/23 XXXX XXXX XXXX purchased the debt from XXXX XXXX XXXX XXXXXXXX. on XXXXfor {$1400.00}. I have disputed online and through us mail that this account has never been mine and is a result of fraud and identity theft. The comments state it was disputed but it meets the requirement of the FCRA which if they did any investigation, is a lie. Again this account has never belonged to me. Id also like to report XXXX for my accounts in collection which i cant specify currently because I am unable to view my credit report due to the fraud alert I had placed on my account for the same reasoning. These accounts do not belong to me, also in regards to the hard inquires that were not authorized by myself need to be removed. The only hard inquiry that I authorized is for XXXX XXXX. Please remove the fraudulent collections accounts and the hard inquires ASAP. I am unable to get any financial assistance because of these, which I am in dire need of. Thank you for youre time.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Savings 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)

XX/XX/XXXX they charged monthly maintenance fee always every month I went to the bank every couple years ask to refund my money they just refunded for a month & they charged me again I used to have also business account they double charged every month they dont refund any of my money back
Consumer complaint received 2023-08-06
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. (MD)

This account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
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. (VA)

Several violations by XXXX XXXX and the XXXX major Credit reporting agencies has taken place. 

15 USC 1681 ( a ) ( 4 ) consumer right to privacy. Why are my so called " late payments '' being reporting and personal information such as involuntary repossession. 
15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. 
I was not given the a chance to direct the information whether I wanted the information about a transaction to be reported or not as referenced in the the Gramm Leach Bliley Act.

15 USC 1681a ( 2 ) ( B ) 15 USC 1681 ( q ) ( 3 ) Identity theft definition similar to REG V 12 CFR 1022.3 fraud is committed or attempted using the identifying information of another person without authority. 
Why is this information being reported and why if the account is closed has an updated been added since the closure of this account? No authorization has been given to XXXX XXXX nor any of the Credit Reporting Agencies to share, obtain, give out my personal information. 
All accounts are to be removed immediately. 
Violations carry a fine of {$1000.00} per violation
Consumer complaint received 2023-08-06
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. (MA)

I am writing to formally file a complaint against TransUnion concerning inaccuracies found within my credit report. On XX/XX/2023, I initiated contact with TransUnion to address and rectify the erroneous information in question. However, as of the present date, I have yet to receive any communication or resolution from TransUnion. Below are the details of the disputed account along with the requested correction : Account Details : Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$3100.00} Original Creditor : COLLECTION I am asserting that the account with the account number XXXX, opened on XX/XX/2023, and attributed to COLLECTION, is not mine. As a result, I am requesting that TransUnion promptly removes this inaccurate account from my credit report.
Consumer complaint received 2023-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have tried to locate the information of the bank and can't find the exact phone number. I need to report all credit bureaus because I am unable to verify all the information in proving my identity... I did file an identity theft police report