davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
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. (SC)

Contact info/ Account # XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX This company has been on my credit report for awhile now and is reflecting negatively with the improper use of my credit. I have contacted XXXX multiple times to provide the original service agreement or contract with my signature starting in XXXX of XXXX  and I have never received any thing stating information requested. I have also had identity theft on report and this may be a company associate with it. I am asking for this negative information to be removed from all credit reports ASAP! I will be taking action with a Civil Lawsuit after 30 days of this complaint if not removed. 

XXXX  complaint file included and police report pages of identity theft.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (SC)

Have contacted the company and tried to get a card reissued in XXXX, XXXX and XX/XX/2023. I was informed that because the information the company has on-file for me is different from what my current address is they will not reissue a card. Nor will they provide an account number by phone so i could register my account for PAYMENTS, making it hard to make payments on-time. I also requested this account number by mail so that i could set up auto payments but the statement arrived and the account number was still masked. this makes it impossible to make my payments on-time. because they will not provide me with any of my account information on a account that is current and i am the only one making payments. This company is also reporting this wrong inaccurate address to the three major credit agency which is even more problematic for me due to this information being inaccuracy. The address that is being reported from this company is an address that I did not provide to this company. So how ever they obtained this information is not from me. The address I provided when I opened the account and the address I provided when I updated my account should be the only information this company should have and should only be reporting the information I provided. Not information they have obtained from an outside source. Not only are they not reissuing my card that works they are also providing inaccurate information to my credit report and I have tried to dispute this information however because I have an open account with smile generation and they are the ones providing this information my disputes have closed with adverse effects to my credit report because the information is wrong. which is also causing me to miss opportunities to establish better credit because what they are reporting does not match what it match on my applications.
Consumer complaint received 2023-10-06
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. (GA)

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

has violated my rights. Or 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

The credit bureaus XXXX, XXXX and Experian are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to fix this account for some time now. I have called several times and they always say someone will call back. I have received a call back but if you miss the call they do not try again. I can not get into my own account. When I enter my information it states that it does not match.
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

Dear Consumer Financial Protection Bureau, I regret to express my dissatisfaction with the Barclays Bank credit card service. My recent experience has left me profoundly disappointed, and I feel compelled to share my concerns. 

Firstly, I encountered a significant issue when my initial credit card failed to arrive. To exacerbate matters, I discovered an alarming {$1000.00} in fraudulent charges on my account, despite having only authorized a {$55.00} purchase. This situation prompted me to contact Barclays Bank customer service, and regrettably, I found myself subjected to extended hold times during these calls. 

Subsequently, Barclays Bank issued a replacement credit card on Monday, XX/XX/XXXX, and I promptly reported the fraudulent charges. I was assured that the new card would arrive the following day, Tuesday, XX/XX/XXXX. Unfortunately, it did not arrive as promised. My frustration grew when I called again, only to be informed that the card would be delivered today, Wednesday, XX/XX/XXXX, which, once again, did not happen. 

I must emphasize my disappointment with the lack of communication from the institution throughout this ordeal. I have yet to receive any notifications via email regarding the status of my credit card delivery or the resolution of the fraudulent charges. Such notifications are fundamental to a professional and reliable banking service. 

This unfortunate experience has compelled me to question the professionalism and reliability of Barclays Bank and GAP Credit Card. It is the first time I have encountered fraud, and I find myself reluctant to recommend this bank or its credit card services to anyone based on this distressing encounter. 

I requested Barclays Bank a prompt resolution to this matter, including the delivery of my credit card and the resolution of the fraudulent charges. Clarity and transparency in your communication would also be greatly appreciated. 

I kindly request that Consumer Financial Protection Bureau investigate this matter promptly and take the necessary steps to rectify the situation. I also request that you keep me informed of the progress and resolution of this complaint. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 
Sincerely,
Consumer complaint received 2023-07-12
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. (FL)

HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$4800.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY REPORT I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an 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 payment for any purpose.

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have been repeatedly contacted by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my credit reports and am disputing a late payment entry that has been reported by LEXUS by error. Pursuant to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and the Fair Credit and Charge Card Disclosure Act ( 15 U.S.C. 1666b ), I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 

I sent on XX/XX/year> a certified mail to XXXX  and the credit bureaus ( see attached ) to dispute the error in the reporting of this late payment as it is negatively affecting my creditworthiness. I have attached relevant supporting documentation, including [ copies of check from XXXX XXXX evidence of first check mailed ] to substantiate my claim and my good faith.
Consumer complaint received 2022-11-25
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I called Bank Of America to find out my debit card balance from my XXXX XXXXXXXX claim. I was told I had a balance of {$2100.00}. On XX/XX/2022, I went to the Bank of America ATM in XXXX, CA to withdraw the {$2100.00} from the account. To my surprise, the money was not there. I called Bank Of America and was informed that the {$2100.00} was transferred to another account. I informed the Bank Of America representative that I did not transfer the money nor did I authorized anyone else to do so. I was informed that Bank of America would issue a new debit card but I would have to speak to EDD about replacing the {$2100.00}. I spoke to EDD and they informed me that once the money hits the bank, it is considered paid and anything that happens to the money thereafter is not their problem. EDD suggested I file a police report which I did but my local police department could not do anything about it. I have also filed a complaint with the internet crime complaint center but I have not heard from them yet. That complaint was filed on XX/XX/2022. Since then, I have not been able to recover the {$2100.00}.
Consumer complaint received 2022-11-25
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)

I submitted a letter to the 3 Credit Bureaus to update and correct 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. Please update these immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MD)

As a law abiding gun owner I am deeply upset on how banking corporations are threatening business owners for exercising their Second Amendment rights. 
It feels like yesterday when these corporations received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. Citigroup as well as XXXX XXXX XXXX  have no business threatening law abiding business owners for exercising their Second Amendment rights. The only reason that they are even in business today is because American taxpayers bailed them out during the Great Recession. Instead of imposing its political agenda on the American people, they ought to be finding ways to help these mostly small businesses grow. They certainly shouldnt be threatening Constitutional rights. 
Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. 
Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have been repeatedly contacted by XXXX XXXX XXXX, XXXX XXXX XXXX, Resurgent Capital Services, and PYOD Inc. attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a checking and savings account with CITI in XXXX and was supposed to have received a {$400.00} promotion bonus for leaving the funds there. I called the bank previously and they told me it would be deposited by XX/XX/XXXX. It wasn't. I sent a secure message and they have not responded in over 5 days. I called them again and they hung up on me.
Consumer complaint received 2023-04-25
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. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-07-11
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. (PA)

Remove all old addresses and name variations. 
I am afraid I may become a Identity Theft victim again. Please report only my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing to formally dispute the veracity of a few facts in the credit report your office recently provided. I have carefully examined this report, and I've found a number of mistakes and inaccuracies that could harm my credit reputation.

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 608 and 611, which give me the right to ask for a thorough investigation to confirm the accuracy of the data in my credit report. The FCRA requires a thorough investigation into the disputed items, so I formally request that it be done by your office.

I respectfully request a written acknowledgement of this dispute letter and regular updates on the progress of the ongoing investigation, to be given within the legally required thirty-day window, in accordance with FCRA guidelines . In accordance with section 611 of the FCRA, I also anticipate getting a free copy of the updated credit report that clearly outlines any changes made.

I fervently hope that this matter will be handled with the utmost seriousness and that the investigation will be carried out in an objective and thorough manner, strictly adhering to the rules established by the Federal Trade Commission ( FTC ) for protecting consumer rights.

I want to thank you for taking the time to look into this urgent matter, and I have faith that the disputed items will be quickly resolved in a way that preserves the accuracy and integrity of my credit report.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXXXXXX XXXX  : XXXXXXXX XXXX XXXX XXXX  will be filing form 211 Treasury OMB firms to audit consumer account. EQUIFAX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.