davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$24.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX, I noticed a {$72.00} charge on my ( Citibank ) credit card that I did not authorize ( dated XX/XX/XXXX ). Through my Citibank online portal, I clicked a linked on the unauthorized charge labeled, " Dispute Charge ''. The next screen was boldly titled, " Dispute a Charge '' prompted me to select a " Reason for Dispute '', and I selected an option labeled, " Charge not recognized or authorized ''. There was no link or verbiage to select any reason that had to do with 'fraud ' or 'fraudulent charge '. I clicked a button at the bottom of that screen labeled, " Continue '', which took me a final screen ( also boldly titled, " Dispute a Charge '' ) that asked me to click another button at the bottom of the screen to " Verify your Dispute ''. After doing so, I received no email, phone or text communications from Citibank notifying me of what I had initiated and what I could expect to happen next. Days later, when attempting to use my credit card, it was declined and I called Citibank to inquire why. I was told that I filed a fraud claim. I explained that I did NOT file a fraud claim, I simply " Disputed a Charge ''. I've called Citibank back numerous time and each time, I'm told that I did not " Dispute a Charge '', but I did " File a Fraud Claim ''. It's my understanding that under the Fair Credit Billing Act, Citibank is intentionally misleading their customers into filing fraud claims without making clear the process for and repercussions of doing so, thus removing my legal right to be made aware of the fraud claim process.
Consumer complaint received 2023-06-01
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, ORIGINAL CREDITOR XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-04-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/2023 I made a call to customer service to Ally Bank and they entered incorrect info and locked me out of my account. Many attempts were made to have access and were denied due to identity concerns. Ally Bank allegedly closed my account and placed funds in isolation and claim that the other bank, XXXX has to claim the funds to be returned to the original account from where there were transferred. XXXX denies that is the procedure and they have me in a he/she says back and forth without offering solid solutions.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

Experian has several contact phone numbers and they all keep a customer running relentlessly on a hamster wheel. If you are able to get a representative on the phone you are lucky. 

I have tried for two days to get someone on the phone so that they provide an extend to my unfrozen credit file but, noone ever picks up the phone and they conceeded that the phone service is wack, and that other people have complained about the hamster wheel effect. XXXX is trying to provide me with a free phone and they need access to my credit file to verify my social security number but, we have not been able to get through and are being told that there is a freeze although the system says the file is unfrozen. 

I wanted to update my personal information in my credit file and it is utterly impossible to do so on experian website. Experian Website is a NIGHTMARE.
Consumer complaint received 2023-05-17
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. (SC)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may take 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. 1681 s-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 the information is inaccurate
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
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. (CA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023, I received a email say my PayPal account is permanently closed because of " activity in your account thats inconsistent with our User Agreement ''. 

Having been a loyal and responsible user of PayPal for over a decade, I was taken aback by this sudden decision. I use this account primarily for my daily transactions, all of which are legitimate. Given this, I am unable to comprehend how my activities could have contravened the User Agreement. 

I have already attempted to resolve this issue via a phone call, but unfortunately, it did not prove fruitful. 

To the best of my knowledge, all my transactions have been in line with PayPal 's guidelines and policies. If there has been any unintentional violation, I would appreciate your guidance on the matter. 

Additionally, I would like to bring to your attention that my account currently holds a balance of approximately {$300.00}. As a result of the account closure, these funds have been rendered inaccessible.
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (TX)

Dear Sir or Madam : I am a victim of identity theft. I learned my personal information was used to open an account at your company in XX/XX/2021. I have on numerous time disputed this infornation with the credit bureaus and time and time again you verify that this account is mine. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that WORLD FINANCE CORPORATIO absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and you are showing on my credit report this fraudulent item related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Thank you for your cooperation. Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information
Consumer complaint received 2023-06-01
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. (OR)

This is fraudulent activity Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Enterprise Systems, Inc. (FL)

XXXX  XXXX XXXX has committed multiple violations on my credit report t

heyre not 100 % accurate on my report On each bureau theyre are different high credit amounts the credit limit on XXXX is also read {$0.00} The dates opened is also different on each bureau XXXX also has a different account number as XXXX and XXXX.

I will be sending a copy of this to the FTC for them to review I will so have my attorney review these violations I will so be sending a screenshot of my credit report to show all the violations and inaccurate reporting XXXX  XXXX XXXX has made. 

XXXX XXXX XXXX needs to remove to TradeLine from my credit report as they have committed numerous violations
Consumer complaint received 2023-04-22
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. (PA)

I'VE REVIEWED A COPY OF MY UPDATED CONSUMER REPORT AND FOUND MULTIPLE UNAUTHORIZED CHARGES. THE INFORMATION FURNISHED IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I'VE CONTACTED THE COMPANIES OF THESE UNAUTHORIZED CHARGES AND THEY WERE UNABLE TO PROVIDE PROOF OF AUTHORIZATION FOR MY CREDIT TO BE PULLED.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have provided USAA with all supporting documents that show the transaction never successfully completed ( unlike they said it did in their reasoning for the denial ) to my XXXX account. An XXXX representative also told me while I was on the phone with USAA representative ( on a recorded line ) that they could not help me because there is no transaction for that on my account with them for them to assist me. The error is on USAA end ( I provided them with the proof that the transaction came out they refunded it when I first disputed it and then came back 3 months later and took it back.
Consumer complaint received 2023-07-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (MO)

There was 6 unauthorized purchases on XX/XX/XXXX in 2 XXXX XXXX in XXXX and XXXX Arkansas. My card was not present and I never authorized any purchases at your stores. I dont even understand how a purchase is made at a gas station without a card present. 
1 : {$140.00} XXXX XXXX at XXXXXXXX XXXX  in XXXX arkansas unauthorized purchase 2 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX arkansas unauthorized purchase 3 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX arkansas unauthorized purchase 4 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX Arkansas unauthorized purchase 5 : {$140.00} XXXX XXXX at XXXX XXXX in XXXX Arkansas unauthorized purchase 6 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX arkansas unauthorized purchase These are all fraudulent charges being made at XXXX  without my card being present. 

Cash app says my card was not present and yet XXXX says my card was swiped. Cash app is refusing to refund the fraudulent charges. I tried stopping these charges while they was pending and cash app said I couldnt I had to wait for them to pay before they could do anything and now they say I approved them.I did not approve any of these charges. I dont even live in arkansas XXXX