davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute and seek the immediate resolution of a fraudulent XXXX account that continues to persist on my credit report, despite my previous attempts to have it removed. This unresolved issue has been causing substantial harm to my financial well-being, and I demand that it be addressed promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Reference number : XXXX This fraudulent XXXX account is erroneous and has no association with my financial history. I have previously filed disputes regarding this account with your bureau, providing all necessary documentation. 
Despite my earnest efforts and the provision of substantial evidence, your bureau has failed to take the necessary steps to investigate and rectify this issue appropriately. The continued presence of this fraudulent XXXX account on my credit report is causing significant harm to my creditworthiness, making it difficult for me to access financial opportunities and services.
Consumer complaint received 2023-10-12
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX Balance : {$6100.00}
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

I am filing this complaint in regards to the company Onemain financial. I signed a fraudulent contract on XXXX XXXX with a finance balance of { {$3000.00} }. Which is at 29.97 % .Since then I have paid a total of { {$730.00} } and as of today XXXX XXXX my balance has only decreased by { {$190.00} }. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. Also I reached out to them on multiple occasions through mail and phone and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and this company 's only response is that its from interest.This is fraud!! The total amount of interest paid to date is { {$540.00} } which is unfair but not even that only { {$190.00} } was put towards principal why hasn't the payments been applied to the principal balance that on a loan of { {$3000.00} } at 29.97 % .Onemain Financial is still saying I owe a sum of { {$2800.00} } .this is malicious and deceptive practices. OneMain financial is also also reporting inaccurate data which has effected my credibility, creditworthiness and reputation.Which is fraud? Please see the attached statements and current statements.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST TO UPDATE ADDRESS To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE PHONE NUMBERS DO NO BELONG TO ME : ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX// - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX/ Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

Today, I contacted JPMORGAN Chase regarding an overdraft in my account which caused a domino effect in extensive NSF fees totaling {$200.00}. I explained my situation where my account is blocked from making mobile deposits & that I have to funnel deposits through a savings account then make a transfer the next day ; in addition there are no Chase locations within over XXXX miles of where I live. I also explained that I have no source of income & currently out on XXXX. I pleaded if as a courtesy they can work with me in reversing some of the fees since this will cause additional financial hardship. The rep said they would only reverse XXXX {$34.00} fee. I spoke to 2 other senior reps not Supervisors or managers & they refused to help me further. I was even denied to speak with a manager in customer service. Now I am out a total of {$270.00} because of this block on my account to make deposits & because the bank pays out a check for {$140.00} first then charges for each additional item ( which in my case were small amounts of {$10.00}, {$20.00}, {$7.00}, etc ). The fees were XXXX the amount of the debits. The bank makes money on each NSF fee accessed in retail banking meanwhile the bank reverses fees in other departments like XXXX, Government banking, etc. When I worked at the branch level I reversed fees as a concession to customers all the time ( especially if there was a hardship sitatution ). 
I am a XXXX single mother to XXXX children with no source of income & my bank who I 've been with for years in which I trusted basically does not care that they took food out of my children 's mouths. It 's a shame how the poor customers like me are robbed with these astronomical fees while the wealthier customers get all their fees reversed with no problem. Ithe seems like discrimination & unfair business practices when you have a set policy for one area & another policy for another. It is 1 bank & every customer should be treated as a valued customer. I know this for a fact in my former experience working with the bank.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have been making online monthly payments on my Citi Costco Anywhere card. Citi closed the account in XXXX, and I was only left to making payments of {$350.00} on the XXXX of every month. 
I attempted to log in my account on XX/XX/XXXX to make payment but I was blocked from accessing my account. Citi requested verification of the CVV number of the credit card. I had explained to them numerous times over the phone that I don't know that number because I had destroyed the credit card ending in XXXX when they decided to close the account in XXXX.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MO)

I had Synchrony Bank/Amazon for two years and constantly had issues with refunds for returned items. Amazon choose to close my account, because I returned " too many items ''. Once the account closed I do not have access to view items which I want to return. I sent all the items on my own, because I want to pay this account as soon as possible and do not deal with Amazon any more. I returned all items by XXXX XXXX and still did n't get my refund.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (CA)

Asked for XX/XX/XXXX for my rights per The California Consumer Privacy Act of 2018 ( CCPA ) My right to know about the personal information AMEX Savings and Credit Card has collected about me and how it is used and shared ; My right to delete personal information collected from them ( with some exceptions ) ; My right to opt-out of the sale or sharing of their personal information ; and And I am subject to discrimination for exercising my CCPA rights. 

It has been over 5 weeks since asking for this information Full access to my legal rights under CCPA - Personal information Name Address Telephone email Social security and any other identification used by AMEX that has been subject of their dispute with me since XX/XX/XXXX account opening
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (VA)

XXXX XXXX sent a letter to collect a debt for XXXX XXXX XXXXPendrick Capital Partners . It was in my maiden name which wasnt my name at the time this supposed XXXX XXXX occurred. It hadnt been for 9 years. It was for a person I do not know. I responded to the letter that this was not my debt. They sent out a second letter which generated a statement. I called the number telling them this debt is not mine, I did not know this person. He was very rude and combative. He had my phone number and the last 4 of my SS, which was very alarming. He insisted I verify if the last 4 belonged to me and got very angry when I told him I wouldnt verify that information. I just got a third letter telling me I needed to provide proof of identity theft. Which.. this happened apparently 3 years ago ( XX/XX/20 ) and Im just finding out about it now. The person was XXXX XXXX XXXX at the time they were transported and this debt occurred. I have asked them to disassociate me from this debt via telephone and by their website. Yet, the third letter still came. I need to find out how to remove my name from this debt and get them to stop harassing me about it.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute and request a correction of inaccurate information on my Equifax credit report, which I initially brought to Equifax 's attention on XX/XX/XXXX. To date, Equifax has not responded or taken action regarding the following discrepancies : Account : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reported Balance : {$800.00} I dispute the reported balance of {$800.00}, as I recall the amount to be lower. Furthermore, I request the removal of the Past Due amount, as this account is closed and charged-off. To prevent adverse effects on my credit score, I also request that Equifax mark this account as disputed. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$270.00} I dispute the accuracy of this account 's information, including the listed original creditor. I believe the reported balance of {$270.00} to be incorrect and request verification of the Date Opened and Date of First Delinquency. 

Account : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} I dispute the information presented for this account and assert that the original creditor is AT & T MOBILITY, not SUNRISECRED. The reported balance of {$2100.00} is inflated and inaccurate. I request the entire account be investigated, and I insist on verification of the Date Opened and Date of First Delinquency. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$760.00} XXXX dispute the information on this account and assert that the original creditor is XXXX XXXX BANK, not the collection agency you have reported. The reported balance of {$760.00} is inaccurate, and it exceeds the High Balance on the account. I request a full investigation of this account and verification of the Date Opened and Date of First Delinquency. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$290.00} I dispute the accuracy of this account, as I recognize the original creditor as XXXX XXXX, not XXXX XXXX. The reported balance of {$290.00} is higher than what I remember. I request a complete investigation of this account and verification of the Date Opened and Date of First Delinquency. 

Account : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2200.00} I request the removal of this account ( NETW ) from my credit report.
Consumer complaint received 2024-08-27
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. (MA)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$69.00}
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Transunion has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : XXXX
Consumer complaint received 2023-09-18
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-09
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. (NY)

Back on XX/XX/2023, I registered for Citi 's " Refer a Friend '' program, which offers me a {$100.00} statement credit after I refer someone to Citi and they are approved for a new credit card. On the same day, I shared my unique link with my brother. Within the next day or XXXX, he used my link and applied for the same card that I have, the Citi AAdvantage XXXX XXXX card, and was instantly approved. He has been using it as his primary card ever since, and Citi has gained a new customer because of my referral. 

Unfortunately, Citi has not held up their end of the bargain. Per the terms of their program, I should have received the {$100.00} statement credit within XXXX weeks of my brother 's approval. It has now been over XXXX weeks, and they have never issued the credit. I have reached out to them numerous times on the phone, and support inquiries have been submitted, but Citi has never followed up on these inquiries with any additional information. 

This practice is completely unacceptable on XXXX end. It is not fulfilling its obligations under the program that it has advertised.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (NY)

I am writing to request an investigation into potential fraudulent activities on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 

See below : -- XXXX -- XXXX XXXX XX/XX/XXXX -- Equifax -- XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-09-18
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CO)

My XXXX XXXX Visa card was put on hold even though I have XXXX of credit limit left. Called to ask why and they told me that they needed to know how much I paid for my XXXX membership. I told them that is none of there business and they said they couldnt tell me why my account was on hold even though I provide all my personal info to prove it was me. This is the second time I have been put on hold unjustly. First time was my billing cycle would close and they would put a hold on my card for none payment before they even sent me a bill trying to make me pay online which was impossible because my account they didnt recognize when I tried. Filed a XXXX complaint and they gave me a {$100.00} credit. Now they are back at it again doing shady business practices and based o. Reviews that is there business model.
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (OH)

AFNI INC A DEBT COLLECTION COMPANY ADDRESS XXXX XXXX XXXX IL XXXX REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT ANGENCY HOW ARE THEY VERFIED? THANKS
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (FL)

hello XXXX XXXX XXXX XXXX and im trying to buy a house and build my credit but because of the inaccurate information under 15 U.S.C 1681, the banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. THIS IS A DEFAMATION TO MY CHARACTER AND ITS REALLY DAMAGING PLEASE FIX IT.