davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, at about XXXX, I received a call from Chase bank ( it appeared as such in the caller ID ). They said that there was someone making fraudulent wire transfers from my bank accounts and that I needed to do a wire reversal to make sure the funds were not taken from my account. There were two men that I spoke to and the second man told me to wire {$3600.00} to myself with a specific name ( Reversal to *my name* ). After these steps were completed, they told me that they were going to investigate further, so don't go into the Chase mobile app or accounts for 24 hours and that I would receive a call at XXXX the XXXX XXXX. I did not receive that call and when I looked in my Chase mobile app, my money had been taken. I filed the the necessary complaints to Chase Bank over the phone and person and they are currently attempting to reclaim my funds. My issue is that the money was wired to a XXXX XXXX bank account and I don't have a XXXX XXXX bank account ( the name would have to match the account ) and I wired the money to myself according to their instructions, but I don't understand how the money was allowed to go through without a real verification by Chase 's wire research team. I received no calls or texts about the wire transfer and ultimately, although they say they will attempt to get my money back, I feel violated and my trust in Chase has been affected.
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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. (VA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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: EQUIFAX, INC. (VA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened the dispute with Bank of America regarding unauthorized zelle transactions on my accounts and recently i also dispute charges from merchants on paypal. After 2 days, BOFA comes back saying they denied the dispute! They basically didnt take this as seriously as it should be! I am desperate and upset because of zelle unauthorized transactions plus recent dispute that i did not receive my items i ordered it is obviously scam but BofA denied the claims! As i am being their client since XXXX  they should at least put on effort to be on my side not just denied the dispute!! 
They denied all my transactions that I dispute i asked them to help but they couldnt! 
Very bad business and the reps that took the claims were very impatient as well!
Consumer complaint received 2023-09-05
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  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 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 for any purpose
Consumer complaint received 2023-06-05
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)

Company has reported XXXX XXXX on my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my credit report.
Consumer complaint received 2023-08-21
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. (NY)

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 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I received a direct deposit of approximately {$1900.00} on XX/XX/XXXX. This deposit has been removed from my Wells Fargo account without my knowledge or permission. 

Wells Fargo can not tell me why this has occurred or when it will be resolved. They have also stated that they are not sure if they will be able to refund any overdraft fees that occurs as a result of them taking my money.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

The following inquiries i didn't authorize & is REPORTING INACCURATELY : Experian reporting the following : - XXXX XXXX XXXX -DATE : XX/XX/XXXX -XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE XXXX XX/XX/XXXX -XXXX XXXX XXXX - DATE : XX/XX/XXXX XXXX reporting the following : XXXXXXXX XXXX XXXX : DATE : XX/XX/XXXX
Consumer complaint received 2024-04-02
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. (FL)

In accordance with the Fair Credit Reporting act. The account for XXXX XXXX XXXX  is fraud and has below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ; 60 days past due ; Open date XX/XX/2021 ; XXXX. I have never been affiliated with this company. 


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. Additionally, I don't know this debt.

U.S.C. 1681 c ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s22 ( A ) ( 1 ) A persons 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 2023-09-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (NV)

My ex-husband has been contacted by a debt collector who identified themselves as IQ Data. They said we owe {$7000.00} to our previous rental/apartments. When asked if a validation letter was ever sent, the collector advised it was sent to our old apartment which is why it wasn't received. I put in a mail forwarding request with USPS and we never received a validation letter. The collector advised my ex-husband to take out a loan and payment must be made in full in two days otherwise they will assume it is a refusal to pay and send a judgement to seize property or garnish wages. They have not given us any time to dispute the debt nor have we been informed how to dispute the debt. I am writing this on XX/XX/23 at XXXX and the collector advised that we have until this same day at XXXX to make payment before they go through with refusal to pay. The collector 's name is XXXX XXXX and he has also contacted my ex-husband on XX/XX/23 and XX/XX/23 demanding payment with deadlines attached.
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, 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. (NH)

My name is XXXX 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.
Consumer complaint received 2023-08-21
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-08-21
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. (MO)

This is my OTHER 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 accounts 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 XXXX XXXX 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 2023-08-21
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-03
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)

TransUnion XX/XX/XXXX **Current Credit Score XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a XXXX which is in my name XXXX XXXX XXXX XXXX, and these 3 illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only 3 things that continues to hurt like SEVERELY HURT MY SCORE! Im asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these 3 illegal items off my **TRANSUNION** credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXXXXXX XXXX XXXX Balance {$13.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$57.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$150.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an XXXX and these illegal items are hurting me. I signed up for credit strong and kifoff, but I have to UNFREEZE MY REPORT so positive information can be added but I need these 3 illegal items removed. 

XX/XX/XXXX
Consumer complaint received 2022-05-02
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-04-26
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. (NJ)

XXXX is reporting a credit card account on my credit that does not belong to me through XXXX, XXXX, and Equifax. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

None of the choices were about my complaint but it made me choose one. I am reporting Midland Credit Management for continuing to report inaccurate information on my credit report. I agreed to pay my FULL BALANCE of what I owed to a past credit card. I had a balance of {$1500.00}. I have been paying {$150.00} a month since last summer and have paid down my balance to {$380.00}. Every month they report as though this is a new debt with the high balance being each months new balance. This continues to NEGATIVELY impact my credit score because they are FALSELY reporting my HIGH BALANCE and then what the remainder is. I have contacted them and basically was told tough luck, thats the way we report. This is unfair and should be IMMEDIATELY remedied. I did not shirk my responsibility nor negotiate a lower debt to pay, even though I could have chosen those options. The LEAST they can do is report my debt and payments correctly! Every month I get a notification that my debt collection needs attention because they change my high debt amount to the new balance owed. I am sick and tired of this company getting away with improper and unfair reporting and wish for a complaint to be filed against them and my account to be reported fairly. Thank you for your time.