davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

From XX/XX/XXXX to XX/XX/XXXX {$6100.00} in fraudulent transactions were charged to my Citibank credit card. The transactions happened online and physically in multiple states including Texas, California, Utah, Arkansas, Maine and Washington. In XXXX XXXX  XXXX I had a XXXX balance, had not used the card since before then, and so was not receiving statements. I never received notification from Citibank related to any suspicious activity ( nothing by U.S. mail, not a phone call, not a text ). In XXXXXXXX XXXX XXXXXXXX, Citibank sent me an offer in the mail to increase my available credit. I responded via phone call, and that's when I was notified of the past due outstanding balance. Citibank claims that they sent me a new card in XXXX XXXX  XXXX, and that I am responsible for the charges made in Texas. I have repeatedly explained that all of the charges are fraudulent, and that I never received the card. I filed reports with the local police, and The Federal Trade Commission. I have put a quick lock on my Citibank accounts, and a freeze on my credit with the XXXX major credit bureaus. {$4100.00} has been credited back to my account. {$2200.00}, which included {$190.00} in interest and late fees, has not been credited. I sent a letter requesting their investigation be reopened. Citibank 's security operations manager told me to stop calling or I would receive a letter in the mail telling me to stop calling.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - XXXX XXXX  XXXX  XXXX XXXX  DEPT OF ED/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - XXXX XXXX XXXX   XXXX XXXX DEPT OF ED/XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - XXXX XXXX XXXX   XXXX XXXX  DEPT OF ED/XXXX
Consumer complaint received 2023-04-18
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

I am writing to dispute the account that are currently being reported on my credit report. I initially disputed these accounts due to identity theft concerns, but now I am disputing them because the debt has not been validated within the required timeframe. I do not need to provide further documentation and I am not required to do so. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Furthermore, the FCRA requires that credit bureaus investigate and respond to disputes in a timely manner. The creditor reporting the negative accounts is also required to do this with the same guidelines or they have to delete the accounts and stop reporting. 

Not only did you fail to properly validate the debts within the 30-day period, but they also failed to do so within the 45-day and 60-day periods allowed by law. I have disputed these debts multiple times, but the credit bureau has not provided adequate validation for any of them. 

According to the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ), " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' I have taken the necessary steps to address this issue with you, but your response has been unsatisfactory, and they have acting negligently and not in a timely manner. 

Therefore, I believe that you have violated my consumer rights by failing to comply with several federal laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These violations include, but are not limited to, attempting to collect a debt that has not been validated, harassing me with multiple phone calls and letters, and reporting inaccurate information to credit reporting agencies. 

I request that you investigate this matter and remove and delete the disputed accounts from my credit report as soon as possible as you are violating 15 USC 1692g. Please. Please provide me with written confirmation of the deletion of these accounts. This is a time sensitive matter and I have already been denied a home loan because of the inaccurate reportings and should this matter not be resolved as soon as possible then I will be taking legal action.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear XXXX, I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 
I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 
Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 
Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 
I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue.
Consumer complaint received 2021-07-30
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2023-06-02
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. (PA)

In accordance with the fair credit reporting act the following creditors have violated my rights. Under code 15 USC 1681 ( a ) ( 4 ) The following creditors violated my privacy rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding the unresolved attempts I have made to remove fraudulent items from my credit report. I have diligently followed the necessary procedures, including filing disputes and providing supporting documentation, on multiple occasions, yet these fraudulent entries continue to tarnish my credit history. 

To provide context, I first noticed the presence of fraudulent items on my credit report Since then, I have taken the following actions : I promptly contacted your agency and filed a dispute regarding the fraudulent items on. I provided all requested documentation, including a copy of the police report filed for the identity theft. 

I followed up on the status of my dispute, and I was informed that the investigation was underway. 

After receiving no resolution or update on my dispute, I filed a second dispute. I reiterated my concerns and provided any additional evidence requested. 

Subsequently, I have made additional attempts to address this issue, including phone calls and emails to your agency 's customer service department, without any satisfactory resolution. 

Despite these multiple attempts and the significant effort I have put forth to resolve this matter, the fraudulent items continue to adversely affect my creditworthiness. This situation has caused me undue stress and financial hardship. 

I understand the importance of maintaining accurate credit reporting, and I believe that your agency has a responsibility to ensure the accuracy and integrity of the information in my credit file. As such, I respectfully request the following : A thorough and expedited investigation into the fraudulent items on my credit report. 

Immediate removal of the fraudulent entries from my credit report, as they are negatively impacting my ability to secure credit and financial opportunities.

A detailed written response outlining the results of the investigation and the actions taken to correct my credit report.

Assurance that steps will be taken to prevent any recurrence of this issue in the future. 

I expect a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. If my concerns are not adequately addressed, I may be forced to seek legal remedies to rectify this situation. I am asking for your immediate attention to remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
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. (TX)

I am writing to formally lodge a complaint regarding the unresolved attempts I have made to remove fraudulent items from my credit report. I have diligently followed the necessary procedures, including filing disputes and providing supporting documentation, on multiple occasions, yet these fraudulent entries continue to tarnish my credit history.

To provide context, I first noticed the presence of fraudulent items on my credit report Since then, I have taken the following actions : I promptly contacted your agency and filed a dispute regarding the fraudulent items on. I provided all requested documentation, including a copy of the police report filed for the identity theft.

I followed up on the status of my dispute, and I was informed that the investigation was underway.

After receiving no resolution or update on my dispute, I filed a second dispute. I reiterated my concerns and provided any additional evidence requested.

Subsequently, I have made additional attempts to address this issue, including phone calls and emails to your agency 's customer service department, without any satisfactory resolution.

Despite these multiple attempts and the significant effort I have put forth to resolve this matter, the fraudulent items continue to adversely affect my creditworthiness. This situation has caused me undue stress and financial hardship.

I understand the importance of maintaining accurate credit reporting, and I believe that your agency has a responsibility to ensure the accuracy and integrity of the information in my credit file. As such, I respectfully request the following : A thorough and expedited investigation into the fraudulent items on my credit report.

Immediate removal of the fraudulent entries from my credit report, as they are negatively impacting my ability to secure credit and financial opportunities.

A detailed written response outlining the results of the investigation and the actions taken to correct my credit report.

Assurance that steps will be taken to prevent any recurrence of this issue in the future.

I expect a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. If my concerns are not adequately addressed, I may be forced to seek legal remedies to rectify this situation. I am asking for your immediate attention to remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Experian Information Solutions Inc. (TN)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30
Product: Credit 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: Chime Financial Inc (TX)

On XX/XX/2023 {$260.00} was taken out of my account and used at XXXX. This was not me and Chime has not reversed the transaction. Today, XX/XX/2023 sever more transactions were made using my other Chime card. 9 transaction for {$2.00} and 2 transactions for {$5.00} at XXXX and XXXX. Again, chime will not do anything about it. Ive had hundreds stolen at this point
Consumer complaint received 2023-10-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (CA)

I get calls every day from NCB Management Services about a payday loan I didnt take out. I dont remember the exact dates, but over the course of at least 2 months Ive repeatedly asked for something in writing so I can dispute the transaction. The only thing I received was a letter saying my dispute was denied. Today, XX/XX/2023 I again requested something in writing. I was told it would be emailed to me, but Ive not received anything. Ive repeatedly given them my contact information
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. Bankruptcy XXXX XXXX dismissed Reference # : XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MI)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2022 {$150.00} AMSHER COLLECTION SERV XXXX XX/XX/2022 {$210.00}