davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (MI)

This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (MN)

Citigroup has decided to make banking decisions on social policy rather than on sound business decisions. How can banks deny banking services to perfectly legal businesses? 

With all of the highly personal information that banks collect ; how long before they start enforcing their social policy on consumers? I think the banks that had such poor policies that they required almost {>= $1,000,000} of US taxpayer money shouldn't be trying to push legal businesses out of business. 

We need all banks to follow the laws that apply to they and not be listening to fringe groups that encourage them to break the laws of banking. Americans need you to come down hard on banks that aren't following laws and policies that are meant to protect ALL legal businesses and people in the USA.
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  COLLECTION XXXX XXXX XXXX XXXX & XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-09-09
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX
Consumer complaint received 2023-09-09
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S. C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-09
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. (NY)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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: PENTAGON FEDERAL CREDIT UNION (NJ)

Someone has been using my personal information to attempt to open credit card accounts and to take out personal loans. I was made aware through fraud alerts by XXXX XXXX and XXXX on XXXX that someone tried to open new credit cards in my name. After looking closely at my credit report, I saw an incorrect phone number and several hard inquiries that I did not authorize ( XXXX  : XXXX, XXXXXXXX XXXX XXXX  XXXX : XXXX ; Penatgon Federal Credit Union : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX I believe whoever is trying to steal my identity XXXX have also submitted a Change of Address for me as tracking for a recently ordered package indicates that it is being forwarded somewhere instead of delivered to my home address.
Consumer complaint received 2023-09-09
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. (CA)

Im accordance FCRA. This creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 166N A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 USC 1681 604 ( A ) Section 2 A consumer reporting agency ( CRA ) can not furnish an account without my written instructions.
Consumer complaint received 2023-06-16
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. (PA)

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. 
XXXX XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$27000.00}.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I posted a bed to sell on XXXX XXXX app. Then a user named XXXX said her step father, XXXX XXXX, was interested in buying it and gave me his email : XXXX. I then contacted him and he said he would send a mover to check the bed and pick it up and send me the money as a cashier check to my home address. He also mentioned he was going to send more than the price of the bed and asked me to pay his mover who was going to pick-up the bed. I received the cashier check and deposited it at the bank and garbbed the mover 's money in cash. Then he messaged me saying the mover wanted the money wired to him instead of cash. So I sent the {$1600.00} to the mover with the information I got from the buyer through Zelle : XXXX XXXX XXXX. The buyer also gave me an alternative Zelle contact information incase the first one did not work : XXXX XXXX : XXXX. This was all on XX/XX/XXXX. On Tuesday XX/XX/XXXX the day the mover was supposed to come I got a message from my bank ( XXXX ) that the check couldn't be deposited due to an issue. I then called XXXX customer service and found out it was a fraud and I had lost {$1600.00}. The buyer was no longer answering my messages, emails, or calls. And due to the fraudulent check the bank decided to close my bank account.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (OR)

I opened a complaint with CFPB XXXX Chime bank has not provided any proof that they are correct. I've requested a statement with daily balances. Or any statement that shows the money credited to my account. Chime has not provided me or CFPB with any data that supports they credited my account., A hold was placed on funds by XXXX but never charged the account,. Chime removed the XXXX but once XXXXXXXX XXXX hold disappeared the funds were never returned to the account. 

I'm asking CFPB to force Chime to provided me with a statement that shows transactions with a daily balance from the month of XXXX statement period
Consumer complaint received 2022-10-25
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX I checked my Chase checking account online to see what my available balance was. I noticed that the balance was extremely lower than expected By thousands of dollars. I checked the transation activity and discovered several entries of transations that I never made. 
The charges were XXXX debit charges made from XXXX for XXXX each totaling {$3900.00}. 
I called chase immediately and reported it. I was told that they would investigate the charges, in the mean time they would replace the money back into my account. also a new debit card would be sent out by XXXX to me to use and I received the new card, and they removed the charges. 
on XXXX XXXX I presented my debit card at the grocery store and it was denied. 
when I called chase I learned that the credits was reversed after a investigaton even though I did not make these charges. 
Chase never told me or in any way reveal to me that the credits was temporary pending their investigation, advise my of the status of their investigation
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC (NC)

To Whom, First I tried to just get my taxes and Ins turned back to me denied tried to do a refinance with XXXX got taken for XXXX to find out my house has dropped another XXXX since XXXX and no refinance done but I owe XXXX more than what my house is worth now. Tried to get help through my mortgage denied again and they are trying to charge me for fees at XXXX I have not paid and do n't need to pay they said they where going to take it off but never did talked to them till blue in the face but kept and still getting the mortgage payment on time for now its is hard to do at times but find a way by selling things I have worked hard for. First Key denied me they say I have a Senior mortgage attached to me since XXXX XXXX by XXXX XXXX I have never known of a senior mortgage I do n't owe this at all but I have talked to XXXX they told me to get with XXXX I did they said they take care of it but did not solve the problem. I have no equity in my house now and ca n't afford to to repairs needed done some as I slowing find the way to get money together. First key mortgage have had during the time trying to get help through them got a few calls from there customer service with like threaten action for my payment for they said they have not receive my payment this is 3 days after and after arguing with them to check again for I have made the payment on or before the due date plus Im suppose to have 16 days after but not with them. What can be done I have great credit and work hard to pay my bills with not much left for gas and food. I need a little help with this problem thanks
Consumer complaint received 2023-07-06
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. (GA)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXXXXX : {$290.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (AZ)

Applied for card XX/XX/XXXX and was approved by Barclays. Now Barclays is not letting me use the card and when I call in to ask why it's blocked the reps are unable to help me. They say there is no security alert on my account even though the website is telling me to call as there is a hold. I have a payment of {$95.00} coming up even though I can not use the card.
Consumer complaint received 2023-05-22
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. (RI)

Upon joining a credit monitoring service today I noticed inquiries were made from someone other than myself attempting to apply for a product at XXXX XXXX  XXXX XXXX XXXX XXXX in my name. I contacted the Federal Trade Commission & was directed to file an identity theft report about this situation.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (NY)

The subject debt was incurred on XX/XX/XXXX for a XXXX XXXX. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California XXXX tax of {$210.00}. 

I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. 


I did open a credit card at a XXXX XXXX XXXX Store in New York inXX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX, XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. 

I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The XXXX XXXX, XXXX XXXX, XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}
Consumer complaint received 2022-09-13
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. (MD)

n accordance with the Fair Credit Reporting act XXXX 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