davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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. (FL)

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 REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FLXXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FLXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$50.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-17
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)

TO WHOM IT MAY CONCERN THIS COMPANY CLEARLY STATES THEY ARE THE WRONG COMPANY TO ADDRESS ABOUT THIS ISSUE THIS IS THE COMPANY NAME THAT APPEARS ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX, PA XXXX I FEEL I AM A VICTIM OF FRAUD PLEASE REMOVE IT FROM MY CREDIT REPORT US C CODE 1681 STATES TRANSACTIONS CAN NOT BE ON CONSUMER REPORTS I NOTICED THE FOLLOWING DETAILS ON MY EXPERIAN CREDIT REPORT XXXX DATE OPENED XX/XX/2019 ADDRESS ID XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX TERMS XXXX MONTH CREDIT LIMIT {$2600.00} RECENT BALANCE XXXX
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (MS)

I am contacting you to inform you that I have several accounts that are listed on my credit report that I did not open. I have asked Experian to delete this information but they have not. I am contacting you to have these accounts for XXXX 's & XXXX XXXX.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (GA)

I. Introduction : I hereby submit a formal complaint against XXXX for XXXX discrimination , retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. XXXX. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. XXXX XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. XXXX. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX XXXX XXXX refusal to do the same raises serious concerns about their practices. XXXX. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. XXXX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its CAUSING ME DAMAGES AS XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian alleges I've had an account with XXXX XXXX, I've never had any business dealing with this company a day in my life, and they claim it is " accurate ''. Please update my report asap with these accounts removed.
Consumer complaint received 2023-10-17
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NJ)

I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by Best Buy, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : in XX/XX/2023, I received notice that Best Buy has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with Best Buy and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with Best Buy that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling Best Buy to provide the necessary information to prove my liability for the debt they claim I owe. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-04-06
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. (GA)

These inquiries were not authorized. Unless I have provided written consent for you to gather information and report this account on my credit report, please delete it. I hope this message finds you well. However, I must express my disappointment and concern upon receiving my credit report today, revealing alleged hard inquiries. I want to firmly state that I have not provided authorization for such inquiries. As a result, I am compelled to request immediate access to documentation verifying the credit application, accompanied by a valid wet signature to confirm my association with the mentioned companies. Failing to provide the necessary documentation will leave me with no option but to demand the swift removal of the alleged inquiries from my credit report. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-04-22
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 — Was not notified of investigation status or results
Company: EGL US, LLC (TX)

ON XX/XX/XXXX SPOKE WITH A REP FROM BMG MONEY ABOUT MY LATE PAYMENTS FORGIVENESS DUE TO COVID AND THE REP ADVISED ME THAT THESE LATE PAYMENTS WOULD BE DELETED AS OF XX/XX/XXXX THE COMPANY IS NOW SHOWING 5 LATE PAYMENTS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX WHICH IN XXXX THIS PAYMENT WAS NEVER LATE
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (CA)

I opened this account in response to a zero-interest rate balance transfer offer. On XX/XX/26 I requested two balance transfers, in the amount of {$3500.00} to XXXX card and {$7900.00} to XXXX that were billed to my new account that same day. The marketing materials ( and the disclosure that was made to me at the time I made these transfers ) indicated that it would take a maximum of 13 business days for the transfers to be made and credited to the respective accounts. It has now been more than 13 business days. I have since been billed by this bank for the first monthly payment on those transfers. But the transfers have not been made. I called this bank today ( spoke to XXXX, who would not provide any additional information about her identity ) to find out why I was being billed for balance transfers that have not been made. The bank indicated it would take an additional 7 business days for these transfers to occur. I asked where it was disclosed to me that it could take up to 20 business ( not the 13 days that was disclosed ) to make these transfers and the bankXXXX said it " could not '' provide that information. This bank is engaged in false advertising designed to lure customers into opening new accounts without honoring their responsibilities to make balance transfers within the time frame indicated in their written disclosures. I believe this bank is engaged in a sophisticated type of marketing fraud.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (NY)

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 of XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX has violated my rights. 

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 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (NY)

Receivables Performance placed a collection account on my credit bureau reports for a bill from XXXX XXXX. This was for an XXXX I purchased from XXXX XXXX. I returned the phone and cancelled the service within the 14 day return period. I have a receipt for the returned phone. I contacted XXXX XXXX several times and was assured the issue was taken care of. However, I continued to received bills. Then on XX/XX/23, this collection account showed up on my credit reports. I contacted Receivables Performance to dispute the charge and was advised to email them my receipt for the returned phone, and I was advised it would take 48 hours for them to review and correct this. On XX/XX/23, I emailed the receipt to : XXXX. I received no response within the promised 2 day timeframe. On XX/XX/23, I called Receivables Performance and spoke to an individual in the " Escalations Department '' who advised he was was unwilling to search through the " hundreds '' of emails they receive, and moreover, that there was nothing they could do about it. Instead, he attempted to get me to pay. I am NOT interested in paying for an item I returned. The reference number given by Receivables Performance is XXXX
Consumer complaint received 2023-08-21
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. (PA)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and XXXX
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On XX/XX/2023, I walked into the Citi branch on XXXX XXXXXXXX XXXX XXXX, NY XXXX to open a business checking account since there is a promotion for {$700.00} for new accounts. XXXX " XXXX '' XXXX was the business manager who helped open my account. She got various pieces of information wrong about the business as well as my personal information like social security number. The whole process was very disorganized. 

After account opening, I got an email on XX/XX/XXXX from XXXX saying backoffice needs more information, like a copy of my social security card. I immediately sent it back to her. Then she forwarded me more questions that back office had for her, like what kind of assets the account will own, where the funds are coming in. I gave her the information again. On XX/XX/2023, i asked for a status update on the account. No response from her. 

Same day i got an email from her saying the account was opened and gave me a few secure files containing my account number and information about the account. She assured me the ATM card will arrive next week. 

On XX/XX/2023, I deposited a check for XXXX USD to my account in branch at the XXXX XXXX branch in XXXX XXXX Received a receipt. 

On XX/XX/2023, I received my debit card but the name and business on the debit card was truncated. I could not activate my debit card with either my SSN or account number, so i emailed XXXX XXXX again. No response from her. She later asked me to call the fraud department which i did and the fraud department said my account is blocked because the business address is not the same as my personal address. Fraud department said my account will be closed in 30-60days. 

XX/XX/2023, XXXX XXXX said the fraud department said that there's no proof I own the XXXX, something which i have already provided documentation for previously with ownership documentations. So i resent it. On XX/XX/2023, I asked for a status update and no response from her. 

On XX/XX/2023, I resent a documented letter from my XXXX agent that proves I am the owner of the XXXX and resent it to her for reconsideration. No response from her. 

I called the fraud department again and they said my account has already been closed XX/XX/2023 and the money will be sent back to me by mail to the address listed after 30-45 calendar days from account close date. 

I waited until XX/XX/2023 to call the fraud department to check the status of my check return. They said that the amount on the account is not due to me anymore and to get back the funds I will need to tell my check issuing bank to file a claim. 

I called Citi 's executive response unit for advice regarding the account and have no received any information on how to receive my check.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Trans Union continues to report incorrect and erroneous information from time to time. I have attached the reporting to confirm that it is incorrect and not aligned with any of the other agencies. Thank you.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX  XXXX Balance : {$4700.00}
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting Act. XXXX  account # has violated my rights. 

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 an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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. (CT)

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 2023-10-17
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. (OH)

I have unauthorized inquiries on my credit report and need them to be removed immediately by law. The FRCA states any unauthorized information or fraud needs to be deleted. These are the inquiries. 

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 XXXX3