davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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: CITIBANK, N.A. (NY)

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. 
This is the several times 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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2020 Balance : {$20000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-10-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

Please reference complaint # XXXX. This is an ongoing problem with this company but I could not see a place on the previous complaint to edit. I once again made a payment of {$100.00} and I just received the phone call saying that it did not go through because of insufficient funds and they tacked {$30.00} fee on my account. I just went through this whole process with them showing them that their request for payment is not ever even reaching my bank. There has been nothing presented against my account from them. I don't know what payment information they are using or what they are doing but I paid my payments in good faith and I want this XXXX to stop! I want that bad charge taken off of my record and I want the {$30.00} take it off of my account balance. Once again I have attached copies of my bank statement to show that they have never presented anything against my account.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

On why credit bureau from XXXX XXXX i notice a collection for {$260.00} and as I review for whom I notice it was from a collection agency called Hunter Warfield Inc which I was not sent a notice of dispute although the company that owns the debt had my forwarding address which was in XXXX Fl and this collection agency took it upon themselves to place on my credit without sending me any notice nor any calls clear violation of the fair debt collection practice act which is meant to protect the consumer, all consumer not some.
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. (NY)

I reported to both the credit reporting agencies and the creditors about the account that was opened using my information, the account was not open by me, nor authorized to be opened by me. The creditor did not do a thorough investigation into to this matter.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im writing to dispute and report instances of identity theft on my credit report, which i have identified as violations of my consumer law under 15 us code 1681 c-2, upon reviewing my credit report, i have discovered unauthorized accounts and inquiries that are the result of identity theft.

These accounts and inquiries were not initiated or authorized by me and therefore they do not reflect my true financial history or activity.

Under the fair credit reporting act section 695b and 15 us code 1681c2 I am entitled to request the removal of any inaccurate or fraudulent information from my credit report.

I am requesting that you remove these accounts and inquiries within 4 days from my credit report asap. 

Enclosed is copies of the relevant section of consumer law and supporting document of my identity. Provide updated of removal info as stated by law within 4 days. for the following account XXXX  account number XXXX, XXXX account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX  account number XXXX, XXXX  XXXX account number XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX Account XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681 C-2 A consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the CONSUMER identifies as information that resulted from IDENTITY THEFT, not LATER than 4 Business DAYS after the date of receipt by the agency. I have attached A copy of my FTC Report A copy of my ID This statement which contains the identity theft info.

In addition the information to block was not made in error by me the consumer, The block requested is NOT basis of a material misrepresentation of fact by me the consumer relevant to request to block, I the consumer did not obtain possession of goods, services or money. Please remove within 4 days or I will ; have to take further action by law as this is my 2nd request!!!!!!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm a victim of fraud and or Identity theft. I did not authorize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-25
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: Exeter Finance, LLC. (FL)

In accordance with the Fair Credit Reporting Act Exeter Finance LLC Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND XXXX XXXX XXXX, OR EQUIFAX XXXX NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an 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.

XXXX I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND XXXX XXXX TRANSUION, OR XXXX XXXX NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Upstart Holdings, Inc. (PA)

I open an account with upstart finance back in XX/XX/XXXX, the loan has since been paid off in XXXX, I called Upstart to request a pain in full letter from them, I spoke to several customer service agents, at XXXX, I was told that it takes XXXX hours to get a letter sent out via e-mail, that they would have to put in a request to their back office. I asked them why it takes XXXX hours to have a letter sent via e-mail. the customer service agent said that was their policy, I called them on XXXX the XXXX, as well as on XX/XX/XXXX. I have not been able to receive a letter of account has been paid in full.
Consumer complaint received 2023-10-04
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. (FL)

Back on XX/XX/XXXX  I sent in my ftc letter to have them remove united auto credit from your credit report and they have not removed it from all three of my credit reports. I sent it to trans union, XXXX and XXXX. It is still showing on my credit report as of XX/XX/.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I was running an ecommerce business in XXXX  & opened a Chase bank to process my transactions through. 

I ended up processing roughly XXXX  XXXX through my checking account. I was able to transfer some of these funds ( roughly XXXX  XXXX ) but Chase froze my ability to be able to transfer my money out of my checking account in early 2021. 

At the time I didn't mind because I was at least still able to use the funds in the account. Chase then completely froze the money and would not allow me to use the funds for any purpose. 

After 7 months of fighting back and forth with customer service and going in and out of several Chase branches trying to figure out what was going on, I received the same response every week when I called in which was " I can't inform you on what's going on, call back in another week '' I then started researching the chase terms of service under which it says that Chase can only hold funds for 1 year and is then REQUIRED to disburse the funds back to the owner. So I waited the year, and still nothing happened. I received the same response from the Chase branch representatives and customer service.

Although this time, it turns out that Chase DELETED my account. So now my entire checking account and all my money are gone.

It has now been over 2 years, and I still don't have my money. I have now came to the conclusion that Chase will not be disbursing my funds and have pretty much stolen them from me. I am now going to be heavily pursuing this matter to retrieve my money that was stolen from me.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

After review of my most recent Equifax credit report I discovered an account status was reporting incorrectly. This account is showing as " Paid As Agreed '' which is correct but reporting a status as " CLOSED '' which is incorrect? If this account is paid as agreed, under what grounds is it being reported " CLOSED ''? The account status is reporting incorrect which is also affecting my credit rating. Please update account to an " OPEN '' status please. Thank you!
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

I have contacted my credit card company through their phone hotline to start a dispute claim for a purchase that was done by accident by my XXXX XXXX XXXX son, and that I attempted to cancel with the merchant, and ended up never receiving the merchandise. The clerk on the phone filed the dispute as a cancellation when it should have been for merchandise not delivered, so the dispute was denied. I have contacted the visa credit card team through the phone and also sent a letter explaining that the main reason should be merchandise not received, but they did not make the correction on the claim. 

I then requested to have a new dispute opened and they once again denied because they changed their system and did not have the documents provided. I have provided several documents showing that I was out of the country when the delivery happened and that I did not sign the package as shown in the delivery confirmation ( which says that I signed for the item but it has no signature on file ). I also provided the investigation report from my building manager showing that the item was not delivered to my building as shown in their package log system. I also contacted my local police which has created a police report under the report number # XXXX. 

The clerk informed me that I can only appeal one last time to their dispute decision, which violates the CFPB since the reason they are using to evaluate my claim is incorrect as per mistake of the customer service agent.
Consumer complaint received 2023-11-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Great American Finance Co (MO)

On XX/XX/23 I was informed by my employer that great American finance ( XXXX XXXX contacted my employer in an attempt to collect a debt, and I just made a payment. This was inappropriate, unprofessional, and could impact my employment. It also very much violated my privacy.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

U S Bank has now closed tree checking accounts of mine two personal accounts and one non- profit account endind in XXXX, XXXX  and a federal 501 ( c ) ( 3 ) ending XXXX. U S Bank is engaged in forcing the accounts closed by placing the in default then not allowing the accounts transferred to go positive. 
On XX/XX/23 Us Bank send messages to XXXXXXXX XXXX there was problems with my accounts so any money transfered to XXXX XXXX must be place on hold. XXXX XXXX then locked my account for the hold for one week..

US Bank paid an ACH of {$1400.00} then paid too the Cash reserve XXXX U S Dollars then closed it did the same to all the accounts mentioned in this complaint.
Consumer complaint received 2023-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

They reported to credit bureau that I have an account in collections with them ( Wakefield and Associates XXXX ) from " XXXX XXXX XXXX '' in the amount of {$1700.00}. 
I called them when I found this on my credit report and they could not find an account in my name or with my social security number, so basically it did not exist.
Consumer complaint received 2018-05-03
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. (NJ)

Equifax says that none of my information matches their information I want them to send me proof of what information they have that does not match. I have never given out false information. I believe they are doing the same thing they always do and that is pull the information by the address and not by the name and address. They have done this in the past and my mom would get the entire family living here credit info on her report. 

I complained about that because they used to give out the full credit card number and at the same time tell you to never give your card number to someone you do not want to have it. They WOKE UP and then continued to pull the info the wrong way but now only the last numbers are showing. 

They need to give me what info they have before I supply any info
Consumer complaint received 2024-04-05
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. (NC)

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT!!!
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VA)

On XX/XX/XXXX  I contacted Discover to inquire about my alleged scheduled payment of {$140.00} which should have been processed by my Financial Institution ( I didn't see any pending payments when reviewing my bank account which prompted the call to Discover ) The representative that I spoke with at Discover apprised me that I did not have an automatic payment set up nor did they see any pending payments, hence, I made an online payment for {$140.00} to avoid a late fee. Fast forward to XX/XX/XXXX  ; I went online and made a payment of {$140.00} to satisfy my XXXX payment. On XX/XX/XXXX  while reviewing my bank account to make certain the payment was processed I noticed there were 2 payments for {$140.00} so I contacted Discover and was informed that one payment was an automatic withdrawal which I did not authorize and the other I made online ( that also happened in XXXX but I did not catch it until the issue in XXXX ) I requested that one payment be refunded since it caused a financial hardship to me and I was told it would be processed. After checking back numerous times and being told it's processing I finally asked to speak with a supervisor to expedite the matter. On XX/XX/XXXX  a supervisor named XXXX ( no last name given ) advised me that I would not get the refund because my billing cycle started on the XXXX of XXXX and my next payment is due XX/XX/. Well this is XXXX XXXX and my initial request was before the new cycle started. I reached out to Discover to try and rectify the issue, however, the company 's representatives have been unfair, deceptive and abusive in their dealings. I would like to amicably resolve this issue and move forward. Thank you for the platform to convey my grievance. Caveat - be leary