davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This bill is medical bill from XXXX XXXX  the new laws indicate no show on report. It appears the debit was obtained in XX/XX/23 with the deceit to appear as non medical bill and continue to show on report. I am requesting all medical bills be removed immediately thank you
Consumer complaint received 2023-10-10
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. (NV)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1.00} XXXX XXXXXXXX Balance : {$2.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2700.00}
Consumer complaint received 2023-10-10
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. (IL)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
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. (NY)

On my XXXX  credit report theirs is one negative item that's a collection account called credit collection this negative item supposed to be removed from my XXXX  credit report filed a federal trade commission identity theft report on file also their 3 hard credit inquiries on my report those inquiries supposed to be removed from my XXXX  credit report and regarding equifax Credit report there's one negative item that's 60 days late its a fraud account
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

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 paty.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 2023-10-10
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. (PA)

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 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IL)

I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called XXXX to close my credit card on XX/XX/2023. The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XX/XX/2023, XXXX business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. Two months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. My last attempt on communication was to XXXX on XX/XX/2023, XXXX business days ago and XXXX has not responded as they said they would. Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MI)

YOUR COMPLAINT My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted I was a fact a victim in this data breach. And XXXX has done nothing. Please help me delete this illegal accounts from my credit report listing the negative account that effected my credit report and my score went from XXXX dropped to XXXX.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (IL)

I paid for a hotel stay on XX/XX/2024 and was supposed to be refunded the whole amount after there was an issue raised to the hotel XXXX on my behalf. I sent XXXX the invoice and they did not issue the refund. Instead, they decided to close my checking account after an improper investigation of the dispute.
Consumer complaint received 2023-10-16
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. (TX)

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 XXXX party. They in fact did not come from a XXXX 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 2023-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution XXXX not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information XXXX be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information XXXX be disclosed or exercise the nondisclosure agreement.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

I received an advertisement from TD Bank for the TD Cash Visa Platinum Card,  addressed to me in the mail early XX/XX/XXXX. The advertisement stated if I was approved I would have 0 % APR for 12 billing cycles on purchases and balance transfers. It also advertised unlimited cash back on dinning and grocery store purchases, and no dinging with fees like other cards. And spending {$500.00} on purchases within 90 days of opening the account can earn {$200.00} in cash back.I did the application online and was approved right away. I received the card around XX/XX/XXXX. I used the card on XX/XX/XXXX. When I received the first billing statement it stated 0 % APR on purchases.I made the first payment XX/XX/XXXX online which was due XX/XX/XXXX. I received the second billing statement for XX/XX/XXXX-XX/XX/XXXX,  which also stated 0 % APR on purchases. Then XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating they made an error. They ( TD Bank ) made a printing error about the 0 % introductory rate on purchases, it's only for balance transfers. Now they state the APR for purchases is 24.24 %. I've only made purchases, no balance transfers.They advertised 0 % APR on purchases and balance transfers on the application mailed to me. It is also on the first two billing statements. This is false advertisement. I would not have applied for the card if it wasn't 0 % APR on purchases.
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WV)

LVNV FUNDING is reporting several inaccuracies on my credit report and failed in the past to provide requested documents verifying the validity of their collections.

On this particular account, they are listing a debt for {$550.00}, saying the account was opened on XX/XX/2022. That is blatantly false ; I have been fighting this company for years over this account. I am nearing the statute of limitations for debt collection in my state and they are fraudulently reporting the age of this account.

They are also listing this account as being " open. '' It is illegal and a violation of my rights to have an account with an open balance to be in collections, thus indicating immediate removal.

In the past, this company only provides me with scanty verification on this debt and failed to provide me the information that was used to validate the account, proof of ownership of the account, verification of creditor, the last XXXX years of payment history on the account, and a copy of the original agreement with my signature. 
It is well within my rights to have requested this, and a violation of said rights under the FDCPA that they provided to do so. Generic verification was all I ever received. 
My last name at the time this issue began was XXXX.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

The companies mentioned below have illegally bought my personal information including SSN, date of birth and address from original creditor illegally without my consent, Violating U.S.C. 1681 ( b ) ; in addition they have practiced deceptive and threatening methods illegally using false and fake documentation and illegal threats, also violating U S.C. 45 ( 5 ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
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. (SC)

I recently reviewed a copy of my credit report i was shocked to learn i have been a victim of idenity theft. Ive found numerous accounts on my credit report that were not opened by me, This has been hurting as i am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-09-21
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 (NC)

I had lost my card and called in to report my card as lost. As I called in there was transactions of {$4900.00} that I did not authorize. They created a fraud claim. They denied my claim saying that they did research and they determined that the transactions where verified. I did not make any purchases on this card. I need my money.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

has violated my rights. Or list of inquiries 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 2023-04-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (DE)

Good afternoon I am the owner and manager of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. 5 dated XX/XX/XXXX  ) ; - in the amount of USD XXXX ( payment order No. 6 dated XX/XX/XXXX  ) ; - in the amount of USD XXXX ( payment order No. 7 dated XX/XX/XXXX   ). 
Correspondent bank of THE BANK OF NEW YORK MELLON. 
Information about payments in the annexes to this letter. 
Payments have not been received by the recipient. 
As far as I know, all payments are blocked. 
I ask you to help me set the details and the date of blocking payments. 
I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. 


Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-31
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still 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 fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX  XXXX account that was paid in full due to a court order garnishment. On my credit its showing as a charge off. I have Submitted the court ordered supporting documents and the corrections were not made.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX, Citi bank closed all my CITI credit without a notification, just before CITI close my CITI XXXX credit card on late XXXX, Citi charges {$95.00} annual fee for my CITI XXXX card for the XX/XX/XXXX to XX/XX/XXXX. And Citi bank has policy to refund all annual fee if the card is closed within one month after the annual fee is being charged. I have called CITI customer service several times and get confirmed by different agent about this annual fee refund policy and get this recorded. Citi charged the annual fee of {$95.00} from my linked XXXX bank account for automatic payment on XX/XX/XXXX, but refuse to refund the annual fee, even I am no longer your customer anymore. This is illegal and fraudulent to charge the upcoming annual fee from XXXX for my CITI premier card but I am no longer your customer anymore after XXXX this year. There is no reason I should pay the annual fee for CITI credit card when I don't have account with you. Please refund the {$95.00} annual fee charged for my Citi premier card on XX/XX/XXXX immediately.
Consumer complaint received 2023-01-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts opened up fraudulent using my personal information have not been removed after sending in my FTC identity theft report and placing fraud alert on my credit files and requesting that it be deleted from my credit files. 

I have provided the companies with proof of identity theft of my personal information and passwords while I was under the care of a caretaker in whom I trusted. I reported the suspect XXXX XXXX who stole and had access to all of my personal information while I was ill to the FTC. 

There is not way that they can verify that I opened or authorized the opening of following accounts, especially with proof of myself being a victim of identity theft. 
They are unverifiable, inaccurate, and questionable. 

According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts are in violation of not reporting 100 % accuracies.
Consumer complaint received 2023-08-31
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. (MI)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX