davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (FL)

To whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions i dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2022-11-02
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I HAVE DISPUTED WRONG ADDRESS WITH CREDIT REPORTING AGENCY EXPERIAN OVER THE LAST 4 MONTHS.I NO LONGER LIVE AT THIS ADDRESS AND IT IS NOT CONNECTED TO ANY ACCOUNTS ON MY CREDIT REPORT. 

THIS ADDRESS CITY AND ZIPCODE IS INCORRECT. I DOD NOT LIVE AT THAT ADDRESS AND HAVENT FOR OVER A DECADE NOW
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

OK, on XXXX XXXX I opened a checking & savings account at b of a. There was a transaction from my edd b of a account on my new b of a account on a statement that they said was a clerical error. There were other problems so I closed both accounts on XX/XX/2021 and reopened another checking and savings. And for some odd reason the initial account that I had closed on XX/XX/XXXX stayed open until I had stopped receiving ssi checks. I recently found this out through my recent investigation I did myself. Being homeless at that time I really didn't have the time to thoroughly go through my statements until XXXX of this year when I housed. Going through the statements thoroughly I saw a numerous amount of bank teller withdrawals and other transactions I did not do. Most of the transactions I was filing claims on they refunded immediately without any Investigations. The bank teller withdrawals which came to approx. {$2500.00} from my checking and savings were not completely reimbursed. Approx. {$700.00} from my checking was reimbursed and approx {$300.00} from my savings was reimbursed. I never got any reasons of how this happened because both banks these transactions happened at know me very well. There's been approx {$1000.00} more withdrawals since then that I did not do and since I said I was going to get a lawyer, they are putting me off stating they will talk to the lawyer. Now these are actual bank teller withdrawals that they have agreed are fraudulent by refunding the money but refusing to refund the remaining fraudulent bank teller withdrawals. I am not doing anymore transactions now until I get my money back. I desperately need help. There was also a tax lien that they had no right taking any money out since I was receiving ssi but took it out of the account that was closed making it a negative balance that I owed. All of the money was returned to my open account leaving a debt in the closed account. I have all of the paperwork and letters from them showing all of this is true. Please help me. I'm trying to add photos of statements and letters from them but it's not working!!!! And it says I can't add more after I submit. Please email me to add these on. PLEASE
Consumer complaint received 2022-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

Dear California Department of Financial Protection and Innovation, The following correspondence is in reference Chime, where I am a customer. On XX/XX/XXXX, my job deposited in account {$1300.00}. I accidentally transferred {$1200.00}. from my personal bank account.I alerted my bank and Chime about this error.I was trying to transfer {$1200.00} from the Chime account to my personal bank account. My bank put in a claim. Instead of refunding me the {$1200.00}. Chime instead deducted $ XXXX.from my direct deposit of {$1300.00}. On XXXX XXXX, I received another direct deposit in the amount of $ XXXX.Chime again deducted {$1200.00}, from my account, this time on their own terms.I did not make any transaction, as I awaiting my check to be cleared from Chime. I alerted Chime, who told me on XX/XX/22 that my account is in the negative and they don't have my money. In total I am out of _ {$2600.00}. On XX/XX/22, I contacted both XXXX XXXX  and Chime, both institutions are blaming each other, while my funds is in question.Please advise.
Consumer complaint received 2022-11-02
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. (OK)

On XXXX I reached out to XXXX, XXXX, and Experian and talked to XXXX from XXXX, XXXX from XXXX, and XXXX from Experian. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (OK)

On XXXX I reached out to XXXX, Equifax, and XXXX and talked to XXXX from XXXX, XXXX from Equifax, and XXXX from XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I '' ve already reached out to this company in XXXX of 2023, and they still didn't fix this. This account that is reporting on my credit report by XXXX XXXX  is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer. 

You are required to do what I'm asking and block these transactions from being reported to my consumer report within XXXX days of the day of the receipt of this notice I look forward to your response.
Consumer complaint received 2023-08-14
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. (NE)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-10
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: BARCLAYS BANK DELAWARE (FL)

I noticed a drop in my credit score on XXXX. After investigation, I found that there was report of a credit card from Barclay 's Bank for which I owed XXXX dollars. I have no knowledge of this credit card or the XXXX dollar purchase. 
I disputed this with XXXX and they reported that the card and charge was verified. How could this be verified if I have never owned a Barclay 's Bank credit card?
Consumer complaint received 2022-12-06
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

These inaccuracies are stopping me from buying a new home.
Consumer complaint received 2020-08-22
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. (OH)

I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

Comenity Capital Bank announced via email to customers in XX/XX/XXXX a promotional offer " EARN 2 % CASH BACK up to {$25.00} bonus cash back when you make eligible home improvement purchases with your XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX'. 
The offer period was XX/XX/XXXX - XX/XX/XXXX. 
I made several purchases during this period at stores like The XXXX XXXX and XXXX. 
I never received the promised extra cash back points. 
I contacted the company several times via their messaging system. Their usual answer is that I should call to speak to someone in person. 
I even submitted documentation about the promotional offer. I then called and spoke with a representative who claimed he never heard about such an offer but he would pass on a note to get back to me. 
The last conversation was with XXXX on XX/XX/XXXX. She also could not find anything about this offer but told me the Back Office will get back to me. No answer XXXX weeks later.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Here are the items that are in dispute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

I was denied housing and will now be homeless due to a collection account placed on my credit report. I attempted to contact XXXX XXXXXXXX XXXX  whom informed me that had no record of the account in collection. I was then told to contact XXXX XXXX XXXX who then informed me that the account was currently with a low firm. I explained to them account was paid in full with the law firm and needed a letter to verify the debt was paid to secure a place to live. Midland credit company was an unable to provide me a letter stating that the debt was paid.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-07-19
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XX/XX/XXXXXXXX Balance Owed : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent accounts and Inquiries appearing on Credit Report. 


Accounts XXXX. XXXX XXXX {$71.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (LA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (DC)

This is regarding my relation with American Express since XXXX, I started as a XXXX Member, and after some years they upgraded me to XXXX XXXX XXXX, their top-tier service. In XXXX, I was traveling in XXXX, and since the year before suffering a weird pain in my XXXX XXXX so I decided to put all my attention on my health, I got late in some payments, ( after almost XXXX years of being an exemplary client ), and they canceled the card. I paid all debts as soon as I got out of the Hospital ( I lost my XXXX XXXXXXXX XXXX XXXX and I am now XXXX ). So they now refuse to reactivate the card, but they gave me in the XXXX a XXXX  Card, the thing is I paid several XXXX dollars each year for more than a decade for the product, XXXX XXXX, and I really need their concierge service, most now due to my current health situation, I do not owe the company a dollar, but they do not even answer my requests, and I think that is wrong to tell me " I need to get an invitation again ''. This is not a request based on the show off of the card, but rather in the spirit of doing the right thing, a company can not invite a client to their top-tier service, charge him for a decade or more, and after that say, I need to be invited again. 

This is a matter of principle and values, and respect, so I am requesting your help before escalating the issue to The XXXX House. 

Thanks in advance, XXXX.
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (IL)

I am formally requesting that you include the following Fraudulent Items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX. XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$18000.00} - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$33000.00}