davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked again 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 accounts ( A ). It is not permitted to report these accounts 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 correction 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
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I am a former XXXX licensed broker and I was successful for many many years. 

It's been over XXXX years since I was robbed of EVERYTHING and I'm still homeless. 

I was in the XXXX XXXX breach of XXXX and I am still in a homeless shelter and completely disenfranchised from this id theft attack I have id theft insurance, it will not pay me ANYTHING let alone my enormous losses. 

I was in the rental relief program for 3 months. 
Chase Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX, my former clients, all have robbed me and my family in several ways once my Identity theft attack started. 

Virtually every govt agency I have contacted since this attack on my son and I does not care to compensate me for my losses either. 

I have contacted everyone I was told to and all dead ends. 

I have nothing left and barely anyway now to prove any of my losses. 

I am very tired after XXXX years being ripped from my son and in a shelter with criminals and crazy people for XXXX years. 

I don't have it in me to explain everything but I will tell you that I will keep writing your office when I have the energy because I want my stuff back and I don't believe anyone needs more of my time to prove anything. Here 's the list of my demands to be made whole and I do not feel obligated to prove why or how I had such wealth. You can figure it out. 

I want my XXXX ID theft insurance with assurant and chase bank to pay me XXXX XXXX dollars. 

I want my credit back to XXXX and no debt. 

I want my fiat abarth back I want my XXXX a month apartment back. 

I want my drafting company back and all my computers I want my son back most importantly and you will not waste my time explaining why he has been out of my life when we were evicted illegally at XXXX point from our home. 

I'm not answering anything I'm demanding and I don't care if you deny it I will just keep demanding it as long as I'm suffering and my son is suffering, I will remind your office of how broken your protection is of not only my son but also of the American public. I have a background helping and protecting many people in finance and health. 

Figure it out, get me whole again and don't dare ask me to work on it. I got a child to raise and explain this all too and how our country is clearly going to XXXX. You try over and over again reliving a horror like this. I will only give you what theives had of mine to take my son 's life from him. 
My social security name number email and mailing address and the names of the services I had. 

I worked like a dog for my son to have a good life and enjoy his parents bc I never had that. And what's listed here is what I can stomach to list right now. you'll never know the full extent of my losses or my son 's plight. Just get it done.
Consumer complaint received 2023-10-20
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. (FL)

I have been a victim of Identity theft and there is an active report with FTC. The following inquiries I did not do. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXX/XX/
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX I got a notice that my card was declined due to low funds.. 3 hours later I got a email saying my account was negative.. so they took the money out of my account and now I'm negative {$80.00} don't have other dates but will say this is not the first time this has happened, im low income as it is. But have to pay out for fees I don't have the money for. Card endingXXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-10-20
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. (FL)

I checked again 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 accounts ( A ). It is not permitted to report these accounts 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 correction 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
Consumer complaint received 2023-10-20
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. (GA)

on XX/XX/XXXX i requested dispute reasons : this account needs to be removed not corrected because of 1. Date of Last Active - FCRA Violation. Creditor Reported XX/XX/XXXX for XXXX and XX/XX/XXXXXXXX  for Equifax. do not correct, please remove 2. Date of Last Payment - inaccurate. creditor reported to XXXX  my last payment was XX/XX/XXXX. please remove ( do not correct ) on my credit report. creditor monthly payment is inaccurate please remove from my credit report. XXXX shows XXXX XXXX XXXX shows XXXX $ creditor failed to update most recent dispute update 3. Payment History - inaccurate. Creditor reported " OK '', for XXXX, but reported 30 days late for XXXX. I previously disputed this account stating : " This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Consumer complaint received 2023-10-20
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE CHECKED MY CONSUMER REPORT ONLY TO NOTICE INACCURATE INFO BEING REPORTED, UNDER 15 USC 1681a THE BANKING INDUSTRY IS DEPENDED UPON ACCURACY AND FAIRNESS OF CREDIT REPORTING, THIS IS A VIOLATIONALSO ITS BEEN XXXX  DAYS TO NO AVAIL.
Consumer complaint received 2023-10-20
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. (NJ)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
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. ()

It has been drawn out that Credit Bureaus are not hindering records 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 things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. No response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, XXXX. XXXX XXXX, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX  XXXX  Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX LL Inquiry Date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2023 and XXXX XXXX XXXX Inquiry Date XX/XX/2023.
Consumer complaint received 2023-10-20
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. (GA)

Creditor has illegally reaged date last active my account to XX/XX/XXXX to XX/XX/XXXX on XXXX and transunion
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXXExperian Subject : Complaint Regarding Incorrect Personal Information on Credit Reports Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning my credit report. I recently obtained a copy of my credit report from XXXX and Experian, and upon reviewing the information, I was astonished to discover several inaccuracies and erroneous personal details present on my report. I am deeply concerned about the potential consequences of these inaccuracies and kindly request your immediate attention to rectify the situation. 

These inaccuracies are of great concern to me, as they can have significant implications on my financial standing and overall creditworthiness. I understand that it is the responsibility of XXXX and Experian to ensure the accuracy and integrity of the information contained within my credit report. 

I kindly request that you investigate these discrepancies promptly and take immediate action to correct the inaccurate personal information.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2023 I had multiple unauthorized transactions from XXXX. Claim ID : XXXX. The claim total was {$2200.00}. On XXXX XX/XX/2023 I received provisional credit for the claim. On XX/XX/2023 one of the merchants refunded me {$510.00}. I recevied a letter from Bank of America stating they would recoup this amount from me due to provisional credit and did so succesfully on XX/XX/XXXX. XX/XX/XXXX I received a letter from BofA that my claim was won in my favor and that out of the {$2200.00} the {$1600.00} credit was now permanent. Case closed. Now, come XX/XX/2023 I wake up to find a misc debit in the amount of XXXX was taken out of my account. I called to inquire why this amount was taken and for what? Every Customer service representative that I spoke to said that they were escalating my claim, blah blah blah. I stated that they can not double recoup the credit taken already. They STOLE my money and I expected for immediate rectifying of the situation since it was their error. Over and over all I heard was our back office has to fix it, they are a no contact office-They only read our notes. I asked to speak to a supervisor after one of the CS was completely rude and she was still like you owed that credit back. It has taken 6 days for them to finally understand that there was XXXX transactions with same amount by XXXX different vendors. They said we are sending back for reconsideration. "!!!!!!!!! '' There should be no consideration when you take money that was already paid back. The credit they took was a permanant credit!!!!!!!!!!! This is stealing. Finally I got another manager on the phone and she stated that she see 's where the error occured and it will still take the " back office '' of the claims department XXXX more business days to fix the error. This is beyond disgusting! This is my money that was stolen from and their procedures are XXXX! If a bank makes an error, there needs to be a quicker way to remedy the situation. I am considering filing a lawsuit to due the reprucussions of their mistake! 1. I had my work corporate card payment coming out of my account the XXXX and due to them taking out the debit ( stealing ) my money, my work card payment was returned and my company has a XXXX return payment policy. My work card is now CLOSED. I could have lost my job ( and still could ). 2. This was right before XXXX and today is the XXXX of XXXX and my money has STILL NOT been returned to me. I had to borrow money from family to finish shopping for XXXX for my XXXX XXXX children. The harm and emotional damage this bank has caused me is beyond horrible. I STILL DO NOT HAVE MY MONEY BACK. No one is willing to help and you can not talk to someone who fixes immediate errors. I hope the CFPB looks into these policies and procedures for fixing their own errors in timely fashion. My livlihood has been struck hard by this. I AM NOT HAPPY! I will see you in court BofA. My new phone number is XXXX.
Consumer complaint received 2023-10-20
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. (LA)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
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. (CA)

Account is still inaccurate and unlawfully reported, XXXX and or XXXX  where the charge came from still hasn't given me paperwork with my signature, where I authorized a amount for {$2000.00} + dollars, my credit line was only XXXX that i set up, and i sent you Pictures of my passport showing i was out of country. I can't be at XXXX places at the same time I disputed the transaction fraudulent while out country and XXXX bank wrote the dispute wrong and the communication was horrible with them until i got back In the country.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-10-20
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX.