davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DCXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$340000.00}
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

I have been a Citi Bank customer for a few months now, but my account was recently closed without any prior notification. I have been trying to get an update on my account for days now, but no one has given me any information. Despite my repeated attempts to contact them, I have not received any response. Today, on XX/XX/2023, I talked to a representative who informed me that a case has been opened as per my request and I will receive a call back within XXXX days. However, when I first called on XX/XX/2023, I was told that I would receive a call within XXXX hours about the status of my account, but no one has reached out yet. My case number with the XXXX XXXX XXXX is XXXX and the XXXX XXXX XXXX email is XXXX I have requested several times to receive a check with my account balance via mail, but my requests have been denied. Additionally, I have been hung up on during my attempts to get in touch with someone regarding my account.
Consumer complaint received 2023-07-11
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with experian. this has been an ongoing issue that needs to be resolved. it has been multiple times ive addressed this issue an nothing has changed. these has caused alot of denials an information needs to be deleted an verified correctly. please delete an remove the requested information submitted asap.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
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. (AL)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2024-05-11
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)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2024-04-18
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

XX/XX/year> : received XXXX XXXX XXXX from XXXX to my Chime card that day, and that evening after work, I went to XXXX at XXXXXXXX XXXX XXXXXXXX, OK XXXX, to withdraw my money from the card, to pay my bills. The 1st withdrawal went fine ( {$400.00}, and a couple minutes later, I requested to withdraw the 2nd half of my money ( {$400.00} ), but the machine only dispensed {$120.00} of that {$400.00} requested. The machine door was open and I could see money was stuck, but I could not retrieve it, then the door closed and the screen told me that it was keeping the money, as it says I took too long to pull the money out. The receipt dispensed says I received {$400.00}, but that is not true. Even the camera over me saw how much money I counted out, and the manager was there with me and saw what happened. She wrote me a letter stating what happened, as proof she was also there to witness it. She put the machine out of order for me and said it has happened before. I called XXXX ATM and their recording said to call the bank.

I called Chime immediately and they said I had to wait for the transaction to clear and not pend, and then I could dispute the charge.

I waited a couple days to dispute when that transaction cleared. 

Within 24 hours, Chime denied the dispute.

That is when I decided to contact XXXX again and I got a live person, who started their dispute process. Then I received an email from XXXX requesting the dispute denial from Chime. A week or so later, XXXX emailed me again with an email demanding email in non-laymen 's terms of what they needed, so I had to clarify to them in email that I did send that information, then a week or so later, another email ( rude this time ) with highlighted words in bold, of what they needed from Chime, in laymen 's terms, which is proof from Chime that they charged back on that transaction on my behalf. 

Fast forward to today, XXXX, I got off the phone with Chime again, as on XXXX, I asked representative " XXXX '' to request that proof of chargeback so I could get my money back from the ATM company, and he requested it, and today XXXX, I received an email with only the 2 attachments ( documents I sent ) as proof. That is not what I asked for. So, I spoke with another representative in a different department who says they did not chargeback on that transaction, so now they are rebutting the dispute to request to reopen it, so they can chargeback on that transaction. 

I feel like these people are giving me the runaround. I should have known better than to do business with a company like this, and have since stopped my payroll direct deposits to them, as any local bank would immediately, in good-faith, give you a temporary credit to your account while they investigate. 

Chime and XXXX, you should be ashamed of yourself. Mind you, {$280.00} may not be a lot to most, but for me, it was grocery money for 2 weeks. Chime and XXXX are definitely not customer-centered and frankly, they could care less.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2024 I received a secured message from Transunion AGAIN, stating that the PROOF OF ADDRESS was not accepted. See message below : Re : Proof of Address Unacceptable - Reason # XXXX We have received the documents you supplied for proof of your current mailing address : however, the document ( s ) were unacceptable due to one or more of the following reasons : Reason # XXXX : One or more of the documents provided was too old. Refer to the timeframes listed below. 
Reason # XXXX : One or more of the documents provided was illegible. 
Reason # XXXX : One or more of the documents provided was not a qualifying document. Refer to the list below. 
Reason # XXXX : Only one form of proof was provided. Two ( 2 ) qualifying documents are required. 

Please provide two ( 2 ) current forms of the qualifying documents listed below. 
- Driver 's License - State ID Card - Bank or Credit Union Statement - Cancelled Check - Government Issued ID Card - Signed Letter from Homeless Shelter XXXX Stamped Post Office Box Receipt - Utility Bills ( Water, Gas, Electric, or Telephone ) - Pay Stub Please have your file number ready XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) the documents I provided are ACCEPTABLE as I provided ( XXXX ) BANK STATEMENTS- XXXX FROM CHECKING ACCOUNT AND XXXX FROM SAVINGS ACCOUNT. These are XXXX separate account numbers therefore XXXX separate accounts. Furthermore, my driver 's license is a REAL ID. 

Continued refusal to handle this claim in a timely manner is going to result in LEGAL ACTION being filed, and Transunion can explain to a judge why they continue to violate FCRA 605B as I have supplied everything that is legally required.
Consumer complaint received 2024-05-11
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. (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 USC 1681. 
XXXX  Account # XXXX XXXX XXXX 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 the 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 2024-05-11
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. (IL)

I see credit inquiries I dont recognize. Please remove these inquiries from my credit report. It is unlawful to keep inquiries on my report that I didnt do. These are the inquiries I do not recognize. I believe these are an error or fraud. 
XXXX XXXX  XXXX XXXX XXXX/ downtown branch XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I found a number of mistakes on my credit report and I contracted Transition in order to resolve these issues. They have down right failed to comply with FTC regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Consumer complaint received 2024-05-11
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. (PA)

FCRA 605B, as I understand it, mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, such as incorrect amounts and dates.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-11
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. (GA)

THIRD ATTEMPT. Third Party Creditors IS NOT LICENSED AND BONDED TO COLLECT ANY DEBT for me IN THE STATE OF GEORGIA AS PER NMLS ( National multi state licensing system ) consumer access. This is illegal Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2024-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address a serious violation of the Fair Credit Reporting Act ( FCRA ) that has occurred. It has come to my attention that unauthorized inquiries were made into my consumer report from various entities without my consent or a permissible purpose. These inquiries are in direct violation of the FCRA, as detailed in [ insert relevant sections of the FCRA ]. 

According to the FCRA, a consumer report should only be obtained for purposes authorized under the law, and without my consent or a permissible purpose, these actions are unlawful. Furthermore, obtaining information from a consumer reporting agency under false pretenses carries significant penalties, including fines and imprisonment. 

In light of these violations, I demand the immediate deletion of the unauthorized inquiries from my consumer report. Additionally, I will seek compensation in the amount of {$1000.00} for each unauthorized inquiry, as provided for under 616 of the FCRA. 
Please find enclosed a list of the unauthorized inquiries made for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To resolve this matter promptly DELETE ALL INQUIRIES or I will seek an attorney and demand {$1000.00} per inquiry violation, I request that payment for each unauthorized inquiry
Consumer complaint received 2024-05-11
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. (FL)

I noticed on my credit report XXXX XXXX  that there are several items and accounts that are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Self/lead # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, DiscoverBank : # XXXX, Applied Bank : # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, And one more thing according to 15 USC 1681s-2 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 2024-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There was a credit card from Bank of America issued in 2022 which is not mine that is fraud I already have an account with them with Bank of America why would I request for an additional account
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern : The items below were previously deleted from my credit file, yet they have been reinserted without proper notification as required by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). I did not receive any notification of these reinsertions.

Please delete these items immediately or I will be forced to take legal action. The items in question are : XXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX CFPB Complaint Number : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Deletion and CFPB Complaint Numbers : XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Numbers XXXX and XXXX XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Number XXXX These CFPB complaint numbers correspond to Equifax 's responses confirming the deletion of these items from my credit XXXX. 

Please send your written response to my address at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (IL)

Upon receiving my first bill from chase bank for my southwest credit card I endorsed and filled out the bill in accordance with bill of exchange act, I included a letter of instructions to tender my account, as well as Federal Reserve Act 16 and a durable power of attorney.

After 5 days a second letter of instructions was sent to chase for an opportunity to cure their non performance of fiduciary duties. I also included another endorsed and filled out bill as well as Federal Reserve Act 29 ( Civil money penalty ) to inform them of the punishment by law for non performance of fiduciary duties. 

After 5 days a final notice letter of instructions was sent as a default judgement for non performance of fiduciary duties. I also included another endorsed bill filled out in accordance with Bill of Exchange Act, a document with 18 U.S.C 8 ( Obligations or other security of the United States defined ) and 12 U.S.C 1431 Powers and Duties of the banks, Federal Reserve Act 29 and an intent to file Federal lawsuit for breech of contract.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.