davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I do not know these people, addresses, Phone and Numbers. I never made any accounts with these companies or have any contracts with them. I'm asking that they all be removed promptly from my credit reports Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

In the middle of XXXX, my twin brother applied for a credit card. The bank submitted XXXX  information to the bank and the credit bureau ( Equifax ) sent MY information and credit report. This occurred twice, onces on XX/XX/XXXX and once on the XXXX. It negatively impacted my credit my XXXX XXXX. I called the bank to ask what happened they didnt know and looked into it. I had to ask the bank to contact equifax on my behalf for the hard inquiries to be removed. As of today they are now soft inquires. Equifax FALSELY reported my information without permission and without it even being requested.
Consumer complaint received 2023-03-13
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. (WI)

On Tuesday XX/XX/XXXX I contacted XXXX, Experian and XXXX to dispute incorrect information that is reporting on my credit report. I also mailed certified letters to each bureau on XX/XX/2023 to officially dispute the inaccuracies. As of today XX/XX/2023, the inaccurate information is currently reporting.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 2023-08-07
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. (AZ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/2023. There are XXXX hard credit inquiries to my credit report. I did not apply for those ones and they are fraudulent activities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already reported it to XXXX. I confirmed with the lender that the card was not approved. But I believe there has been some leakage of my critical personal information.
Consumer complaint received 2018-05-21
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. (CA)

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2024-02-05
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: CITIBANK, N.A. (MA)

Citibank , N.A . Denied my dispute for a refund for charges to my Citi Card for service not received. ( a trip canceled by vendor ) History of dispute with Citi Card : XX/XX/XXXX I filed an initial claim with Citi ( R ) Cards ( referred to as Citi in this correspondence ) XX/XX/XXXX letter from Citi requesting additional information regarding this claim XX/XX/XXXX letter from Citi stating they are reviewing my claim INTERIUM : Numerous correspondence and phone conversations with Citi stating they are working with the vendor to obtain credit XX/XX/XXXX Denial letter saying, Based on the time that has passed since you canceled the services, we have no option to obtain a credit on your behalf Incorrect -see attached. 
Time passed because of my efforts to settle with the vendor, and the vendor canceled the service, not me. 
XXXX months passed with Citi denying me a refund for services I never received. a trip! 

The original trip was on XX/XX/XXXX -the start of the XXXX pandemic and the travel shutdown. The vendor rescheduled the trip ( to XXXX ) to XXXX. Pandemic restrictions continued. The vendor shut down travel to XXXX and replaced it with XXXX XXXX XXXX trip in XXXX. The ship being built-not finished-trip was postponed to XX/XX/XXXX. Shipbuilding delays resulting from the pandemic- postponed to XX/XX/XXXX - again postponed until XX/XX/XXXX. Less than XXXX hours before my planned departure on this trip, it was canceled by the XXXX through an email ( see attached ) I immediately requested a refund from the vendor and made multiple attempts for almost two months, but no refund was issued, and I learned that the XXXX had declared bankruptcy on XX/XX/XXXX. Within 60 days of realizing my efforts to get a refund from the vendor were futile, I filed a dispute with Citi ( R ) Cards for services paid on my Citi Card but not received. I provided Citi with all the information requested regarding this claim. On XXXX XXXX, a denial came from Citi for erroneous reasonsCiti knew services were canceled by the vendor, not me, and the delay referred to was caused by my multiple efforts to secure a refund from the vendor. 

Taking due diligence and actively pursuing a refund from the vendor, as recommended by Citi, to pursue a refund before filing a claim with Citi is being used by Citi for denial of the claim. My effort to follow directions, taking time to get vendor refund, delayed my filing a claim with Citi and is being used as a reason for denial. I paid Citi XXXX for a service I did not receive. This situation started with the pandemic, which provided very different circumstances, and in good faith, I followed the instructions to resolve this issue.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I have a 401k loan with Bank of America. I called and spoke with a customer service agent from Merrill lunch about my 401k payments and had mentioned to the agent that with my payments coming out from my part time job I would have missed payments since I dnt work that many hours but I could link my payments to be deducted from my bank account for there to be a none issue. The agent let me know that was not an option. I had asked the agent if missed payments would effect my loan or if I would lose my loan or if interest would change or if it would effect taxes. She stated no they would send a statement asking for payment but I will not lose my loan or be penalized for my loan as long as I had paid the amount off by the agreed amount of time of 4 years. I then call a few months later and asked a customer service the same question and they stated missed payments would not effect my loan. Soon I notice on my pay checks that had the funds to collect for my 401k payment where not being deducted. I called and asked merrill lynch what was going on and they said my loan was now seen as a withdrawal and Im required to pay the full amount of my loan off by the end of XXXX or I will be sent a 1099 as my loan as viewed as a withdrawal. I told them that I was not aware of this and I had been informed as long as my loan was paid off by the agreed time of 4 yrs I would not lose my loan or my loan would not be effected by taxes or interest change. I told them I would like to pay what I am behind as I was informed by a customer service rep of different information. They said there was nothing they could do and they would try to see what could be done and call me with in 24-72 business hrs. I never heard anything back. I understand that customer service representatives make mistakes, but when Im being sent a 1099 and am having to pay taxes on my 401 k that I have worked hard for and would like to keep and now and being required to pay a high tax rate for a withdrawal of a 401 k that was not my error. I asked questions to make sure I understood my loan. I was informed with wrong information and Im being held accountable for this. Im wanted to pay what Im behind and have my loan reactivated.
Consumer complaint received 2023-06-24
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. (MA)

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$350.00} ; ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (MS)

On XX/XX/year>, I received via mail a stall letter along with statements and a cardmember agreement from Avant Credit Card Services, and no proof that this account belongs to me. 

I previously requested debt validation and they have failed to provide debt validation within the 30 days, as requested and failed to remove the alleged debt. 

Avant furthermore, advised that they are unable to provide me with documentation of my signature for this account.
Consumer complaint received 2024-02-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (OR)

It doesn't look like you are going to provide what I requested. So here I have to submit it again. 


Hello, thanks for reducing the amount. However, I think I made the point simple and clear. I have disputed this via XXXX 8 times. I contacted you for getting more proof for this debt a couple months ago. I sent a follow-up email to your company regarding the proof, I don't get response yet. It looks like XXXX XXXX is not capable of providing the proof that I requested. That's why I made my point in the complaint - " they should've contacted me about the maintenance issue within 30 days after I moved out. Not sending my information to your company a year later. ". So let me make it clear here again : From the document you sent : Stove, refrigerator, dishwasher, toilets, bathroom sinks, miniblinds left filthy. Walls very dirty, required full paint. Water leak not reported by residents caused serious mold & damage to kitchen wall & countertop. Required full replacement of countertop, sink & faucet. Partial wall replacement Please provide photos that you took before you repaired these issues. I also have photos right before I moved out, so we can compare. And this does not make any sense, correct me if I am wrong : XX/XX/22 Cert. Mail Fee Certified Mail Fee to mail deposit disposition XXXX XX/XX/22 Security Deposits Security deposits from holdings XXXX XX/XX/XXXX Pet Sec. Deposit Security deposits from holdings XXXX It says in the document you sent, you charged me {$15.00} for sending my deposit via certified mail to me, and then you hold both of my security and pet security deposit. So what deposit you have sent to me via certified mail? In conclusion, please send me the photos as the proof/evidence of debt I request above, I think it's the most straightforward thing to do. If you are unable to provide the proof or evidence that these were caused by me, please remove this account from the credit bureaus.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account : Super.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX My XXXX credit card ( XXXX ) is listed twice on my report ( see pages XXXX ). I only had one XXXX credit card and it was closed on XXXX. 

Also, the XXXX card lists a {$360.00} balance in XX/XX/2023 but I never borrowed any money on this card. The balance was money I deposited onto the card and then immediately used. The XXXX card says it's a secured credit card but you can not borrow against it. You can only use the money you deposit and the money is not held in a security account. You do not borrow against the card or receive any credit to spend. You just add money when you want to use the card and then you can spend that much. The balance I carried was never borrowed from XXXX card. I deposited those funds and spent them the same day. 

I have attached XX/XX/2023 transactions to show that I would deposit money on the card and then immediately spend only the money I just deposited. I did not carry a balance as if I needed to pay XXXX back. There are no payments or statements or bills.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (TN)

Received an email on XX/XX/23 to my personal email address with a " Welcome to Chime! '' Email. I forwarded the email to the email address listed at the bottom of the email which stated " Didnt sign up for Chime? Email us at XXXX '' the same day. I didn't receive any correspondence back from this email address. 

On XX/XX/23, I received an email that stated that " Your Chime XXXX XXXX XXXX is on it's way '' and listed my personal address. I then googled Chime and found their customer service number and contacted the Fraud department. I spoke with an agent who confirmed that they closed the account and that I would not be responsible for any charges. Unsure how Chime was able to open an account in my name when I have a current security freeze in place on all 3 credit reporting companies and XXXX.
Consumer complaint received 2024-04-09
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( XXXX you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX XXXX