davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$20000.00}, {$5600.00}, XXXX, {$0.00}, {$10000.00}, {$7700.00}, {$0.00}, {$4800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$4100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$20000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$5600.00} -This is not my account. 









4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- PERSONAL LOANS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$10000.00} -This is not my account. 

7. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$7700.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- XXXX ACCOUNT 10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB, FTC, Police Report. 




______________________________ ______________________________ XXXX XXXX DATE
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

I was on vacation in XXXX and had received a XXXX XXXX XXXX XXXX XXXX result before I was about to head home. I had to cancel the flight on XX/XX/XXXX and try to rebook the flight due to being XXXX XXXX. When trying to rebook the flight in the early morning of XX/XX/XXXX I made several phone calls to Amex Travel. It took 3-4 calls after being on the phone and hold for an hour every time before eventually being disconnected and never received a call back. Especially after the first thing they ask you, is what is a good call back number if we get disconnected. Eventually when trying to search for a return ticket home, they said Ill get credit for the return flight home and theyll waive their change fees, but went on to say XXXX XXXX is still going to charge you a {$300.00} ticket change fee. And the cheapest ticket they could find for me on XX/XX/XXXX was {$800.00} bringing the total to {$1100.00}. I tried telling them XXXX XXXX is waiving any ticket change fees due to XXXX  if you book before XX/XX/XXXX. Amex team members told me, thats not true. And I still have to pay {$300.00} change fee. I told them to look on the website where it clearly states there is a complimentary change due to XXXX. I also called airline directly to confirm and the agent confirmed I should not be charged a ticket change fee. And secondly the cheapest ticket I found was about {$470.00} to return home, not {$800.00}. So they were trying to charge me {$1100.00} instead of {$470.00} which the airline credit should mostly of covered. Unfortunately since I booked through Amex Travel, XXXX XXXX advised I will have to deal with Amex Travel.
Consumer complaint received 2023-03-11
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the accuracy of the information being reported on my credit report related to the collection account from XXXX XXXX XXXX, originally from XXXX XXXX XXXX  XXXX XXXX. The account number in question is XXXX. I believe this information is not accurate and is in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that you investigate and either update or remove this account from my credit report.
Consumer complaint received 2022-03-23
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. (MN)

On XXXX XX/XX/XXXX I reached out via online to Transunion XXXX XXXX and Transunion that I would like dispute XXXX XXXX that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with XXXX XXXX XXXX and Transunion all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I'm filing a complaint regarding this account XXXX XXXX XXXX, Account # XXXX XXXX to Experian, XXXX & XXXX XXXX XXXX have already received a response from XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022, in response to my Dispute letter to Validate the alleged debt I owe to them. They confirmed that they had already closed the file and terminated the collection action to an account stated above.
Consumer complaint received 2024-09-05
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-03-24
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. (MS)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXXT XXXX XXXX opened XX/XX/XXXX for {$1400.00}, XXXX opened XX/XX/XXXX for {$11000.00}, XXXX XXXX opened XX/XX/XXXX for {$3600.00}, .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN XXXX XXXX AND XXXX XXXX CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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 ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-03-24
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)

I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. These negative accounts are preventing me from obtaining credit and obtaining a mortgage.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BofA refused to give me my ssa money they took out what I owe them on the XXXX  an they won't like get it from the bank there sending me check they said an to date no check can't get food or my medical supply an meds because of the it not right for them to do this to a older adult their way they're treating me and I'm fairly done my wife made a mistake on there and I have to pay for it he didn't Washington DC was in the military I'll still there now I don't know where she's at to be in jail because of the bank I don't like this at all you're a fair treatment and the people is unreal you'll see what the those security department 's going to say and everybody else
Consumer complaint received 2023-07-28
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. (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.

The letters are stated with items and issues.

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 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/XXXX - I noticed a check cashed XX/XX/XXXX to my checking account that was not familiar. Upon inspection it was a check that was written over 2 years prior and cashed. It was never destroyed and was subsequently cashed again but modified. The forgery was to a different person, altered amount, check number and payee. I immediately called Chase to discuss and they said I needed to go to the branch. 

XX/XX/XXXX - I go to the branch and they say I need to talk to fraud department by phone. I tell them I just did that and was told to come to the branch. They apologize and say, no, I need to talk to fraud. I call fraud and they freeze my account and say they'll send forms to fill out. 

I receive the forms approximately 2 weeks later in the mail. I fill them out and attempt to fax them to the appropriate number. I had complete forms, copies of the original check and the fraudulent copy. It was plain to see what happened. 

XX/XX/XXXX : After not hearing anything, I call Chase for an update. They had not received the fax. I mail a hard copy of the forms to the address. 

Multiple calls to follow up with no answers. My account is still frozen and I can't access my own funds! 

Late XXXX : Chase ackowledges receipt of the fraud forms. 

XXXX : I go into the branch to have them move money. They can't because the account is frozen. I give the manager one more chance to figure it out and get my moeny into an account I have access to. A week later, he hasn't made any progress. 

XX/XX/XXXX : I went back to the bank and closed all of my accounts, with the exception of the one that is frozen. They figured out how to move the money out of the account, but we left that one open since the fraud case was still open. 

XX/XX/XXXX : Fraud department refunds the lost funds ( {$800.00} ). I try to move the money, but the account is still frozen. 

XX/XX/XXXX : Chase sends an automatic bill payment from the frozen account to a service provider. That check gets cashed, from the supposedly frozen account. 

XX/XX/XXXX : Account is still frozen and the charge me a low balance fee against the account. 

XX/XX/XXXX : Chase will not refund the fee, and the account is still frozen. We are currently on hold with the fraud department ( over 30 minutes ) hoping they can release the hold on the account and give me our money once and for all.
Consumer complaint received 2023-06-09
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: WELLS FARGO & COMPANY (GA)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WELLS FARGO used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WELLS FARGO reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon Reviewing XXXX XXXX I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. I appreciate your prompt attention to this crucial matter.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023 I submitted a compliant by certified mail and the credit reporting agency have not responded and verified the accuracy of my report in violation of the fair credit reporting act. TRAN XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc (GA)

I had a medical procedure done in XXXX. I payed a co-pay of roughly {$300.00} at the time and was initially advised that I would only owe the remainder of my deductible ; which was {$900.00} additional. After the procedure my insurance company sends a bill saying that I owed around {$2500.00}. I called the hospital billing department and the insurance company to verify and after a few back and forths the Hospital 's billing department advised that I would actually owe nothing and to disregard the bill. 

Fast Forward to XX/XX/XXXX I receive a notification from XXXX XXXX  of a derogatory mark on my credit report. ( At this time my score is around XXXX as I have been managing my bills and credit very well. ) My credit immediately drops down 20 or so points before coming back up within a month. I file a dispute as I'm unsure why this bill from the hospital is on my report as I had not received a notice from the collection agency. I reach out to the credit agency and they advise me that they sent a notice in XXXX of XXXX and attempted to reach me via my mobile number but I never received any communications from them. I asked them to provide proof that they had attempted to contact me but they never provided it. ( See Recording XXXX ) This derogatory mark caused me to be denied for a home equity loan as I had put in my application in XXXX right after the credit report was updated. I have since paid the debt. I feel as though this company use a predatory tactic in order to force me to pay a debt that I was never even aware of owing. Instead of using standard procedures and contacting me with a notice they chose to wait the required time, then file my dept with the credit reporting agency. 

This tactic has caused a severe hardship for me and my family as I was not able to gain access to my home equity. We planned to purchase a rental property and fix up our basement to allow us to rent out the space to guest ; ultimately helping us combat the economic downturn and build additional wealth for our family.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had fraudulent charges coming from " XXXX XXXX '' being taken from my account for months. I noticed last XXXX. I called XXXX and they stated that it was not them. I was using my credit card to pay for my XXXXXXXX XXXX account, not debit - as stated, I called them and inquired, they assured me that it was not them charging mea and it was fraud attempting to cover up their charges as XXXX. I filed a claim with my bank ( Bank of America ) and they just denied my claim and said they were going to take the {$130.00} back out of my account.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Central Source LLC is preventing me from obtaining an online copy of my XXXX Credit Report via www.annualcreditreport.com. I called XXXX directly and they verified there is no condition on their end that is blocking my access and suggested I resolve this directly with Central Source LLC. Unfortunately, this problem still persists.
Consumer complaint received 2022-03-23
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... 
XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.