davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report, and I noticed some inaccurate information on my account from XXXX XXXX XXXX I've never had a late payment associated with that account I contacted the credit reporting agencies and notified them of the inaccuracies, but they did not fix the inaccurate information.
Consumer complaint received 2020-12-13
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXX - A letter was written by XXXX XXXX to AMERICAN EXPRESS ' XXXX XXXX Tx address, demanding verification of debt. 
XX/XX/XXXX - A letter was written by XXXX XXXX to XXXX XXXX XXXX XXXX XXXX demanding validation of the debt, verification of their claim, copy of the contract signed by myself and Amex, the original note, confirmation of the name of individual duly authorized to carry out due diligence under the Money Laundering Regulations XXXX & copies of current licenses and permits, allowing XXXX XXXX to collect a debt for a 3rd party. 

All of which was ignored. 

On XX/XX/XXXX - A summary judgment against me was signed by the Honorable XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX. 

I audited the account and according to the XXXX XXXX, AMERICAN EXPRESS NATIONAL BANK is a servicer and Master Servicer and does NOT hold a secured interest in the matter. XXXX XXXX XXXX XXXX XXXX XXXX is named, Trustee. AMERICAN EXPRESS sold and securitized account XXXX XXXX XXXX ( XXXX CC XXXX ). ( Please see pg XXXX for Transaction Details and pg XXXX of Sec XXXX : SECURITIZATION PARTICIPANTS, pg XXXX : Assignment of Receivables and pg XXXX describing " Trustee  '' as The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Rule XXXX summary judgment defense : civil code section XXXX states as follows : " Actual fraud, within the meaning of this chapter, consists in any of the following acts, committed by a party to the contract, or with his connivance, with intent to deceive another party thereto, or to induce him to enter into the contract : 1. The suggestion, as a fact, of that which is not true, by one who does not believe it to be true ; 2. The positive assertion, in a manner not warranted by the information of the person making it, of that which is not true, though he believes it to be true ; 3. The suppression of that which is true, by one having knowledge or belief of the fact ; 4. A promise made without any intention of performing it ; or, 5. Any other act fitted to deceive. '' The account has been entered into AMERICAN EXPRESS CREDIT ACCOUNT XXXX XXXX ( XXXX XXXX ) with a balance of {>= $1,000,000} XXXX # XXXX. The first payment date for XXXX XXXX is XX/XX/XXXX to Certificateholders generated from the securitized Receivables for the subject credit card account ( s ). Series XXXX security had a maturity date of XX/XX/XXXX. Cardmember Receivables has been converted into a stock as a permanent fixture. I will attach the report.
Consumer complaint received 2024-08-10
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. (CA)

I recently checked my credit report and noticed some inaccurate unverifiable unknown fraudulent hard inquiries that I did not give permissible purpose to do so under the fcra anything inaccurate or unverifiable has to be deleted immediately and I also provided proof of credit report including ftc report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-10
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. (AL)

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.

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 XXXX 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 2023-07-27
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)

This company is currently showing 30 days late for the month of XX/XX/2022 as reported in XXXX Credit bureaus. I have read enough to understand my rights. The late history should not be showing late. The Bureaus are attempting to violate this clear understanding. Please investigate and reported the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (KY)

I am reopening case XXXX I did not make the purchase in question. I have local law enforcement involved, the police report is attached, and i am working with the merchant. 

I can not believe what an absurd situation this has become. CITI has failed to protect me from fraud according to the regulations in place from the federal government. 

1. I received a call from CITI to alert me that fraud happened. I responded in real time and they proceeded with next steps to close my account and reissue my card.

2. I confirmed that I had my card AND I WAS NOT AT THE LOCATION where the card was used. I was miles away.

3. I did not give anyone else permission to use my card. 

And to update my case, I did time researching to learn that XXXX XXXX can be cloned. The basis for closing my claim without issuing a credit was the claim that this is not possible. 
This would explain why the card was with me and I was not at the location. CITI has hyper focused on the assumption that my chip was used while ignoring the fact that I could not have physically engaged in the transaction since I was not there. 
Cloning XXXXXXXX XXXX is not only possible but it is becoming increasingly common. It's called credit card cloning and card skimming. This includes a lower technological method that involves copying credit card chips to the magnetic strip so that the reader can not distinguish whether the XXXXXXXX XXXX was used. 
I am requesting evidence from the credit card issuer that they used to make this determination. If they are ignoring the indisputable fact that XXXX cloning is an increasingly common practice, their fraud investigators are either inept or lying.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per XXXX XXXX, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, TX XXXX XXXX Inquired on XX/XX/2023 2023
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received a refund from XXXX XXXX in the amount of {$740.00}. However capital One venture card decided to take {$200.00} of that I dont know why they they left me with {$590.00} how is it they have a right to do that whats next theyre gon na go into my card that I paid my bill with and help themselves? this is preposterous I wasnt expecting it I want that {$200.00} back. I pay my bill all the time Im never late ever ever ever.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-03-19
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (AR)

Money NetworkXXXX XXXX  XXXX XXXX XXXX XXXX {$1000.00} stolen. 

I have had this card for many years. It is a XXXX payroll card. I retired and have kept it and now my XXXX XXXX XXXXXXXX is loaded onto it each month. I usually get paid on the XXXX every month but received it early for XX/XX/year>. 

On XX/XX/year>, {$500.00} was transferred from my account to something called XXXX. On XX/XX/year>, another {$500.00} was transferred to XXXX. I did NOT authorize these transactions. I do not know who the sender is and did not attempt a transfer of any kind to XXXX. It appears XXXX is a money transfer service to XXXX! I do not know anyone in or from XXXX. This is 100 % fraud. 

I reported the fraud on XX/XX/year> which was the first I logged in to check my balance. I reported it immediately and locked the card and ordered a new one. I changed my password and PIN #. I filled out the claim form requested and faxed and emailed it back to them on XX/XX/year>. 

I called today to check the status and they denied the claim!! They said because the money was already picked up. I never authorized a transfer. I still have the card. I have never let anyone use my account. Please help. This XXXX check pays my bills and I am never going to recover from {$1000.00} loss. 

The company has now had me on hold an hour and I'm sure will not answer. I asked for an appeal and to speak with the fraud department. I have been on hold ever since. I have set up an account with another bank for future social security deposits.
Consumer complaint received 2024-04-18
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. (LA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX 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
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

2 fraudulent wired funds where transferred from my Bank of AmericaXXXX acct. on XX/XX/year>. Someone logged into my BofA acct without my consent and wired out a total of XXXX. I have done several fraud claims with BofA in regards to this and they denied my claims over and over. I have Never, Never given my password, pin, email access or bank information to Anyone. These transactions were made Without my consent. Bank of America never called me to verify the wire I never received an alert of what was taking place. They never called, texted, or emailed me to confirm these transactions. Making it very easy for the thieves that took my money without my consent. I have never shared any of my personal or financial information with anyone. Bank of America has failed to tell me where this money was even transferred. They have barely given me any information to help assist me in recovering my funds. I have filed a police report/ and an open claim with my life lock team to get this resolved. In hope of Bank of America will do what is right and return stolen money back to its customer.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (AZ)

I was charge two times over a few minutes for {$23.00} approximately 3 months ago. Within hour of charge I called Chime and reported it as Fraud. They advised I had to wait till it processed before I could dispute. I said it was fraud. They took two months to return my money, then approximately 30 days later they reversed the credit and said it was authorized. I called them back and talked to four people they said I need to refile dispute and wait again. I used a XXXX XXXXXXXX  XXXX and believe all my charges and im fraud protected. Chime not being a brick and mortar bank has different rules. I want to be credited immediately and I want to charge them by the hour for time wasted due to there bad faith in solving this problem.
Consumer complaint received 2024-01-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I applied on line for XXXX with Bank of America. Bank of America checked my credit and impact negatively on my score Without my permission or any notification on the misleading site of Bank of America. 
The XXXX employee XXXX not sure about her exact name.Called me with tone of XXXX disrespectful and showing off power pretending she can't say my name and telling me " I'm denying your application " When I complained, I got responses from XXXX XXXX on XX/XX/2023 and she denied anything wrong from their Bank of America checking credit without my permission and she referred me to another employee XXXX XXXX can work the loan application. 
I found XXXX not sure her exact name calling me back despite my complaint against her and she.threstened me in the phone that if I would record her.conversation it would be a XXXX. This proved to me that they are no control and this XXXX is discriminating me using her power without any boundaries. 
When I went back to XXXX she absorbed my anger but they.tried to waste my time and misleading me by asking about too many documents just to appear that they are not retaliating against me for the sake of their coworkers XXXX. 
While this misleading deceitful process I started apply for same HELOC with XXXX XXXX  and I got approved for $ XXXX. 
I did not get any written explanation of denial from the most XXXX people in Bank of America. Of course they can claim anything but I'm sure they were discriminating me and denied my loan
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-08-31
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. (PA)

I XXXX XXXX reviewed my credit report and I have noticed some unauthorized inquiries on my credit reports I have listed them below I have also attached a FTC report with other supporting documents. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I currently received notification of a creditor name XXXX XXXX on my credit. I dont have a clue of who & what this creditor is. I dont have no contract, etc with this company as the dispute reason contract cancel. Please remove.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (VA)

I keep receiving daily emails from LVNV FUNDING LLC, which I dont have a contract with & I dont know who/what this company is. Its to the point where I feel harassed. Dispute reason contract cancelled as I dont have a contract. Please remove from credit.
Consumer complaint received 2024-04-18
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. (CO)

Per the FCRA, as a federally protected consumer, I opted out of any and all authorizations to publish XXXX accounts stated in my permissable purpose letter, as well as the violation of 15 USC 6802.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted this complaint to update this suspicious information. Credit Bureaus must REMOVE these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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