davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IA)

On XXXX, my husband, XXXX XXXX XXXX, died from XXXX at the age of XXXX. Needless to say, this was a very unexpected event and my grief has been overwhelming and at times, disabling. My late husband and I have several credit cards and I didnt have a list of who was the primary card holder on each account. If he was the primary account holder, those accounts were closed. 

Citi card closed three accounts for which I was the primary account holder as Citi Card thought I died. I tried to log into these accounts to make payments, but since Citi Card closed them, I was unable to make payments online. I assumed, during my grief, that these were his accounts. It wasnt until I received a letter trying to reach my estate, that I realized they were my accounts. I immediately called and rectified the situation, including getting all accounts current. Unfortunately, these accounts had late payments and were reported to the credit bureaus. I did a dispute with all three credit bureaus as instructed by Citi Card, however they not remove these negative items from my credit reports. 

I have called Citi Card on multiple occasions to attempt to get this resolved. They were unable to be of assistance. Each time, Citi Card remove the deceased comment from my credit report. While I appreciate that, I need help to remove the late payments from my credit report. 

Specifically, regarding Citi card ending in XXXX, I made a payment in XX/XX/XXXX and not again until XX/XX/XXXX. For Citi card ending in XXXX, I made a payment in XX/XX/XXXX and not again until XX/XX/XXXX. For the Costco Citi card, I made payments in XXXX and XX/XX/XXXX and not again until XX/XX/XXXX. Again, Citi Card closed those accounts thinking I had died, when in fact it was my husband that passed away. 

Given the nature of this situation and my long history of making payments on time, Im requesting that the late payments be removed from my credit history as it had a huge negative impact on my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( formerly XXXX XXXX XXXX XXXX, IA )
Consumer complaint received 2022-11-07
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. (MI)

Well a new account was opened up XX/XX/XXXX of 2022 up under my name which I never authorized and I had a freeze on my account because of fraud but Equifax seem to allow new accounts to be added on my account with a freeze on it but can never answer how that happened which this account is not mine I never opened this account that was open up XX/XX/XXXX or 2022
Consumer complaint received 2022-06-01
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX Balance : {$1600.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account 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.
Consumer complaint received 2018-01-13
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. (VA)

I have submitted numerous documents and request to XXXX to research this account. I am a victim of fraud by someone who abused a power of attorney. I have provided proof of deployment, proof from the responsible individual and proof of the abuse of power of attorney and XXXX has consistently tried to hold me responsible for this account. I acknowledge this account was opened in my name and with my information BUT IT WAS NOT WITH MY CONSENT. I have received numerous responses from EXPERIAN saying the creditor validated this debt, and therefore they will not investigate. Please read the documentation, the responsible individual admitted to this act of fraud. I am not responsible and will not be bullied by XXXX into paying a XXXX debt that does not belong to me. I was XXXX at the time and unaware my bank accounts were being used to make payments, I was not aware of any of this until months after it began. I deserve more than a generic response of regurgitated scripts telling me I am liable because it 's in my name. I deserve the right to have the documents REVIEWED AND TAKEN INTO CONSIDERATION! am going to seek legal action if this is n't resolved. 

Experian, shame on you as a CRA to not conduct an investigation of your own but to constantly request the same documents over again from me and to only to have the same creditor response validate the outcome. WHERE IS THE FAIRNESS. When does personal responsibility come into play as a CRA. I am tired of being victimized by people who are supposed to be protecting me while I 'm XXXX FIGHTING FOR MY, EXCUSE ME OUR COUNTRY ONLY TO COME HOME AND FIGHT WITH THE SAME PEOPLE IM RISKING MY LIFE FOR. This is insane! Not to mention my information being compromised by Experian as well, I 'm disgusted!
Consumer complaint received 2022-06-01
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX Balance : {$1600.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account 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.
Consumer complaint received 2022-06-01
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)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts, incorrect names and incorrect addresses which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$490.00} XXXX XXXX (  XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2023-06-24
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. (UT)

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, 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 2022-06-01
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)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts, incorrect names and incorrect addresses which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$490.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$560.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2023-06-24
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)

In Accordance with the Fair Credit Reporting Act ( FCRA ) The Following Accounts Has Violated My Rights. 

XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX XXXX   ACCT XXXX XXXX 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file.

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 instruction.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IN)

We used two credit cards from chase bank to purchase two services. We never received either service. We disputed all five charges which were made from one merchant who billed us under two names. Chase agreed with us in three if the charges but has refused to provide relief for the last two. We disputed the charges in XXXX of 2019, provided all information requested. Even had our chase banker fax information the information from her bank to credit card division in XX/XX/XXXX. We also faxed the information ourselves to them in XX/XX/XXXX. I made multiple calls to them and asked what additional information they needed to resolve the last two disputes. We provided everything they asked for. In XX/XX/XXXX I was told that too much time has passed to resolve the final two disputes. One of the disputes they had resolved in XX/XX/XXXX was to the same named company that the last two disputes. I asked them the logic of approving one of three disputes with the information provided but not the last two. No answer provided. I requested a copy of all information we had provided them. They sent only the information provided on the claims from the card with the two open claims, not the information from the card which had a very similar charge settled in our favor. I have request that information again and am waiting for response. Thank you.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately. You can not keep telling me you vaildated something and it still report false. XXXX and transunion both of completely different information from dates they have, to payments, to credit limit to high balance and so on and this is a huge violation and need to be DELETED NOW HUGE VIOLATION OF MY RIGHTS
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

My car wss stolen took without permission and was involved in a car accident at the time i had XXXX insurance full coverage they were suppose to evaluate and look at my car at the tow yard and never did. Lobe financial also made me purchase gap insurance which is double coverage they were suppose to cover whatever my insurance didnt i had a lawyer send a letter they took it off then put it back on my credit as a charge off after i disputed it with XXXX  i want it off my credit because it is not accurate
Consumer complaint received 2019-07-02
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

I purchase sofa bed from XXXX using business credit card. The sofa bed was broken frame under seat cushions broken within 1 week. Maufacturer denied return nor exchange while their return policy is 180 days. I did send copy of XXXX return and policy to Chase credit card. We purchase on XX/XX/19 and bring it back to XXXX for return on XX/XX/19. 
I file dispute with chase credit card on XX/XX/19 and they said that they send out notice to me on XX/XX/19 to get more information but I have not received any notice, then I miss phone call from customer service, he left me voicemail to call him back but I keep call back and left him voicemail but I have not received any call back. Here is the number I got from my voicemail XXXX ext XXXX. After that I received a letter from the bank state that they have been investigate and consider the transaction is valid. I did not put in dispute due to transaction is not valid, my dispute regarding the item that I purchase is defective and can't exchange. I did ask to re-open the case again because when I spoke to customer service he said that dispute department need more detail information on how is it damage and some proof that when I send request to re-open the case I did send copy of XXXX return and exchange policy, also detail explain how is the item broken and damage. Chase credit card did not bother to send my dispute and inquiry to the merchant request explain from merchant regarding customer dispute on the charge. Instead of doing that they hurry up close my case without any explain to customer. I feel like I don't get protect as customer, I feel like chase card don't have any responsible to help out there customer. If I can handle that matter with XXXX   where I purchase merchandise, I don't need help from my credit card company to protect consumer right. Chase card dispute department really don't care about their customer right.
Consumer complaint received 2022-06-01
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. (PA)

I submitted a letter to the 3 Credit Bureaus XXXX XXXX, 2022 to update these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX Balance : {$1600.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account 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.
Consumer complaint received 2022-06-01
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. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$9800.00} ; XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$5500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
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. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$9800.00} ; XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$5500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXXXXXX Balance : {$4800.00} ; XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
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)

This is my six 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 XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$0.00}