davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is my fifth times writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other names and addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

Delete any and all other addresses and names below : Names : XXXX XXXX XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2024-04-24
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-24
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. (IN)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-05-02
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. (FL)

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: JPMORGAN CHASE & CO. (NY)

I returned something on Amazon but somehow along the way, Amazon didnt scan my package into their returns even though it was scanned and delivered on XX/XX/04. I reached out to Amazon and they kept telling me to wait 30 days, then it got pushed out to 60 days, then finally at 90 days they said they couldnt help. I have the XXXX tracking number saying that it was returned and I have the initial update that Amazon knew that the return was coming. I reached out to Chase multiple times since XXXX and they kept taking Amazons claim that they needed proof of the time being returned. How can I get proof if I dont work at the warehouse?
Consumer complaint received 2024-04-24
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. (MD)

I have been recently informed that there is negative information reported by the bureaus. 

Transunion : XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX. Account Name : XXXX OF XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX : XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX, EQUIFAX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Consumer complaint received 2024-04-24
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. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2023-04-27
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: Bread Financial Holdings, Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Not sure of exact date going off report received from XXXX reported XX/XX/2016 states I was reported for Suspected fraud activity in the amount of {$190.00} closure status UNPAID. I was residing in Georgia temporarily & i opened an account with Bank of America, upon traveling back an forth to New York, I lost or misplaced card & I did not give my pin # to anyone. I reported card lost/stolen & my account was closed after review by Bank of America. I was never informed i had any outstanding balances owed to Bank of America. I recently went to the bank with my mom to be added as a signer on her account an the branch manager informed me that I could not be added due to fraudulent activity reflecting on my social security number was entered.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-03
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. (TX)

XXXX, XXXX, and TRANSUNION. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. 'XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Consumer complaint received 2023-11-03
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. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (FL)

I consistently make on-time payments. I am confident about this. What I am unsure about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (FL)

I was attempting to get a pre-approval quote from Chase because on the website it stated I can run a pre-approval without doing a hard inquiry credit pull. After doing the process they sent me a loan approval for {$28000.00} at a 7.09 % APR for 72 months. This occurred on XX/XX/23 I checked my credit score and they did in fact run a hard inquiry on me. I gave no authorization for a hard inquiry pull and I never even used the loan for a vehicle. I called Chase Customer service several times and talked to several people and no one was able to give me a solid answer. One said since i did it online there is nothing they can do. Even though i advised it was only a pre-approval process not for an actual loan.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern, I am writing to formally dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt as per 15 USC 1692g ( a ) ( 1 ) and 15 USC 1692g ( a ) ( 2 ).

Please provide the following information regarding this account : Account # XXXX Date Opened XX/XX/2020 XXXX Owed {$5900.00} 1. The name of the original creditor associated with this account.

2. The amount of the alleged debt and a breakdown of how this amount was calculated.

I am specifically requesting validation of the amount of the alleged debt, in accordance with 15 USC 1692g ( a ) ( 1 ). Additionally, I demand that you provide me with the name of the creditor associated with this account, as required by 15 USC 1692g ( a ) ( 2 ).

The information currently reported on my credit file lacks sufficient detail to verify the accuracy and legitimacy of this debt. Therefore, it is imperative that you provide the requested documentation to validate the debt. 

Please note that failure to validate this debt within the timeframe prescribed by law will result in further action being taken to protect my rights under the FDCPA, including but not limited to disputing the accuracy of this item with the credit reporting agencies and seeking legal counsel. 

I expect a prompt response to this dispute within 30 days from the date of this letter. Your cooperation in resolving this matter is greatly appreciated.
Consumer complaint received 2024-04-24
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

For years I have disputed Portfolio Recovery Associates with XXXX, XXXX, and XXXX and have repeatedly asked for PROPER validation of debt from Portfolio, as well as, asked XXXX, XXXX, and XXXX to verify information they are reporting is 100 % accurate, which is my consumer right and failing to do so is a direct and blatant violation of my consumer rights. XXXX, XXXX, and XXXX never investigated information they are reporting as 100 % accurate. In fact, each of them are reporting different information. If they all obtain their information from the same place, how is this possible? They refuse to remove inaccurate and unverified information from Portfolio Recovery Associates. Furthermore, Portfolio Recovery Associates continues to make representations about unsubstantiated debt. I have asked numerous times for Portfolio Recovery Associates to send VALID and SUBSTANTIATED documentation that the debt is valid, and that they are legally licensed to collect in the state of Texas. They never would produce any substantiated documentation. Often times, sending some copy of a credit card statement that I did not recognize, but could not produce anything more. They are still threatening to collect on debt that is past the statue of limitations. They are reporting the account inaccurately and without validation and as such, this has caused harm to my financial well being. They initiated legal action against me when it lacked proper documentation about the debt. 

Portfolio Recovery Associates did not provide the required disclosures when collecting on debts beyond the statute of limitations. Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform me about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that my dispute was frivolous or irrelevant, it failed to timely inform me about what information would be necessary for Portfolio Recovery Associates to investigate the dispute.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX exactly at XXXX I was basically forced to withdraw XXXX $ out of my account even though I only had about XXXX XXXX a masked guy approached me next to the atm and told me that he needed help to get his money, he told me about 3 times I dont mean no harm to you I just need to get my money, as soon as I heard those words I got scared because he was masked and I didnt know wether he was armed or not, I did as he instructed me and acceded my atm using XXXX XXXX, he processed to insert a paper into the atm ( at that time I had no idea what it was ) he clicked no print and told me, now go ahead and withdraw it, so I did, handed him the money and he left, I called chase and they told me to wait for the unknown paper to clear because until it clears they cant tell me what it, since I needed that to file a police report I waited for it to clear, about XXXX days later it cleared and they told me it was a money order and I proceeded to filed a police report, also went ahead and filed a report with XXXX, they temporarily credited my account to get it back to positive since it was negative XXXX, just 2 days after filing the report they closed the case and told me the transaction was authorized, I asked how can a robbery be authorized? Their answer was that I needed to resolve it with the police and theres nothing they could do even though I was robbed at XXXX of their atms, the police is still investigating the matter and has not yet informed me if they catch the guy or not so XXXX assuming not.
Consumer complaint received 2023-08-29
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. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPTED/XXXX  XXXX Balance Owed : {$920.00} ; DPT EDXXXX Balance Owed : {$4200.00} ; DPT ED/XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXBalance Owed : {$19000.00}.