davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, my debit card as well as several other items were stolen from my vehicle. Two unauthorized transactions were made on the same day, one for {$32.00} at XXXX in XXXX XXXX, CA and a second charge for {$15.00} at XXXX. Chase bank was called on the same day to dispute these charges and report that my card was stolen from my vehicle. In addition, I have filed a police report with XXXX XXXX Police Department report ( # XXXX ). Chase bank had issued me a new debit card and temporarily recredited my account for these transactions while this claim was being investigated. Today, XX/XX/XXXX, I noticed that chase bank reversed this claim and took the funds out of my account for those transactions that I DID NOT MAKE. I called the chase and asked why this had happened when I am not the one who made these transactions and they stated that my statements were inconsistent with the claim I had made and that there were no pin attempts made. I let them know it is possible that they can still run the debit card without using a pin number and they are aware that the suspects attempted to take out money from my account at a chase branch but were unsuccessful. When I asked Chase bank for documentation that they relied on and the proof they found showing that my statement was inconsistent they were unable to provide me with anything. I am being charged for a transaction that I did not make and this violates the Electronic Funds Transfer Act and is violating consumer protection laws and rights. I have been a loyal customer to chase for several years and this is extremely upsetting. What is the point of reporting a card stolen and disputing charges if they are going to falsely accuse you of making these transactions?! XXXX with Chase advised me there was nothing that can be done and that this decision was final. Why should I have to pay for these transactions that I did not make!!
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (OR)

i always has the money in the bank but they waited til i didnt have any money left in there for them to process the payment then my account would always overdraft and id be charge with an overdraft payment and pay more then what i had in the account or the payments would process without me having the funds in there and id be worse then id have to pay double then my account got canceled without me even knowing anything so i had to go without a bank account for a long time and then i decided to switch banks bc i wasnt able to reopen this account anymore this isnt fair
Consumer complaint received 2023-09-26
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. (GA)

Please delete these accounts from my credit report as they are fraud. 


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 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-03-22
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. (DE)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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. (TN)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Collection Bureau, Inc. (MI)

I received a letter in the mail from United Collection Bureau , Inc the letter stated they were trying to collect a debt that I owed to XXXX XXXX XXXX.I than contacted the company and spoke with an representative about the issue because I don't have a debt with XXXX XXXX he was being very argumentative so I hung up and called XXXX XXXX billing customer service and spoke to a representative and she stated that there was no debt sent to collection 's on there end for me as I knew. I than called the collection agency back and spoke with another person and I explained that I spoke with XXXX XXXX and they said they haven't sent any debt to this agency on me the representative was being argumentative so I asked to speak with a supervisor I noticed that they kept asking for my personal information I stated to the supervisor that I didn't have any debt and I spoke to XXXX XXXX customer service he than stated he must have the wrong person I questioned him on how did he get my personal information and I told him I was going to report this business for fraud he was trying to reason with me not to and I hung up all this happened on XX/XX/2023 @ around XXXX.
Consumer complaint received 2024-03-22
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-11-23
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. (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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-10
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: 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 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX Acct # - 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 supposed to modify accounts that aren'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 an 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 XXXX XXXX  credit reporting. I have evidence to prove my case
Consumer complaint received 2023-11-24
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)

I still have inquiries on my report that are not connected to open accounts 2 from XXXX XXXX which I'm a authorized user and XXXX XXXX which I'm also a authorized user these inquiries are fraudulent and I want them removed an XXXX XXXX gave me 2 inquiries for the same application which is still fraudulent and bringing down my credit score I wish for Trans union to remove them XXXX and XXXX have deleted but Trans union refuses
Consumer complaint received 2023-01-07
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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 602 A States I have a right to pivacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting can not furnish a account without my written instruction.
Consumer complaint received 2023-11-24
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'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2023-11-24
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. (NJ)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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. (NY)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
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. (FL)

I'm sending this complaint to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-11-24
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. (NC)

This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent 3 letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-24
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. (KY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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. (NC)

This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent 3 letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
- XXXX XXXX XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-11-24
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX Transunion XXXX Are all reporting false information of collection accounts from collection agencies I never did business with these collection companies has no documentation with a signature from me this is false reporting wish us against the law Im requesting that they are removed IMMEDIATELY
Consumer complaint received 2023-11-24
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. (MA)

I am writing to bring to your attention a matter concerning inaccuracies on my credit report maintained by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information, and to date, I have not received a response from them. The details of the inaccuracies and the required corrections are outlined below : 1. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1.00} The following account was never late. Please correct this inaccurate information on my credit report. 

2. XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} The following account was never late. Please correct this inaccurate information on my credit report. 

3. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} The following account was never late. Please correct this inaccurate information on my credit report.
Consumer complaint received 2018-10-29
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (WA)

I would like to complain about the numerous phone calls from different numbers, at all times of the day. Including nonstop emails. In addition, I am even disputing the amount that they are saying I owe. I feel that I was taken advantage of, I signed my loan back in XXXX. I NEVER even completed the quarter. The college was FOR-PROFIT. Now my credit score is suffering. 

These people are harassing me, and trying to make me pay a debt that is way more than the initial amount, and for classes I never even finished. This is abuse! 

As of XX/XX/XXXX, my credit score has been damaged by this loan company. 
As of XX/XX/XXXX, I have blocked all of the numbers they have contacted me from. 

As of XX/XX/XXXX, I am looking to pursue legal action to protect myself from further damages.
Consumer complaint received 2023-01-07
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX reopened a charged off account in XX/XX/XXXX that was charged/ voluntarily repossessed back in XXXX without me making any type of arrangements or any changes to the account. There has been no changes or updates since XXXX.
Consumer complaint received 2023-09-03
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. (PA)

I XXXX XXXX notice some unauthorized inquiries appearing on my credit report. I have listed support and documents below. 

I did not authorize this inquiry XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-02-17
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. (TX)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer Rights to Privacy and confidentiality under Title 15 U.S.C. 1681. 

XXXX XXXX XXXX  Account # XXXX Title 15 U.S.C. 1681 section 602 A states I have the Right to Privacy.

Title 15 U.S.C. 1681 section A section 2 : It also states a consumer Reporting agency can not furnish a account without my written instruction.

Title 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 items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

Title 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish Any information relating to a consumer reporting agency if the person knows or has reasonable course to believe that the information is inaccurate.