davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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)

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my disputes, the ADDRESSES AND FRAUDULENT ITEMS ARE screen shoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. XXXX  MAKE SURE THAT MY CREDIT REPORT IS NOT XXXXFROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON XXXX PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXX I WORK AT XXXX XXXX MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON ITXXXX I By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through XXXX. The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-12-28
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. (NY)

This is the several time I've complained about being a victim of identity theft. Experian must remove 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CA)

I filed a dispute over three ATM withdraws after my card was stolen. I filed a police report and provided it to the bank. The found that no error had occurred and denied my claim. The reason was I still had the card in my possession, but it wasnt, on their online claim form it asks when you noticed the card was missing, I noticed the next day and put that date down, they used this as the date it was stolen and not when I discovered it was missing. I filed an appeal, and the bank said that the police report I provided didnt change the decision by the bank. These charges were for {$200.00}, {$200.00} and {$830.00}. This money was stolen from me and should have been protected.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 : Reserved hotel, XXXX XXXX XXXX, in XXXX XXXX, LA for XX/XX/20 - XX/XX/20 with Chase Sapphire points totaling XXXX which is equivalent to {$750.00}. 

On XX/XX/2020 due to COVID19 shelter-in-place restrictions I filled out a Cancellation Form on Chase App, which said it was specifically for COVID19 reasons. Received confirmation email that Chase would cancel the reservation and was given Case ID #. 

On XX/XX/2020 I received no word from Chase and saw on the app that my trip was active. I called Travel Services and was told they would need approval from the hotel to issue the refund, but the hotel was not answering. I was instructed to call back the next day after a 3 hour hold. 

On XX/XX/2020 I called Chase Travel ( was on hold for 3 hours ) again and was informed the hotel marked me as a No Show because I did not cancel the reservation. Therefore, following the hotel 's policy, they can not issue any refund. I informed the travel agent that I filled out a cancellation form the day before the reservation and gave them the Case ID #. They replied, the department that handles those forms are offline and they would ultimately decide if I get a refund, but as of now I did not qualify. Afterwards, I went on Chase 's website and twitter, and filed a complaint. 

On XX/XX/2020 I received an email that Chase follows the policy of the hotel and advocated for a refund, but I was denied. I went back to the original email of the reservation and read the policy of cancellations from the hotel, which stated, " Cancellations or changes made after XXXX XXXX  ( Central Standard Time ( US & XXXX  ) ) onXX/XX/2020 or no shows are subject to a property fee equal to the first nights rate plus taxes and fees. '' If Chase followed the policy and advocated for me as they stated, then I'd get 75 % of my points back, however I am being refunded nothing even after their app made it seem like they were being flexible with travel changes due to COVID19.
Consumer complaint received 2019-04-17
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: BBVA FINANCIAL CORPORATION (TX)

I am a victim of identity theft and have had my information compromised several times. I have submitted documentation to compass bank and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XX/XX/XXXX and XX/XX/XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. Compass bank has failed act reasonably to aid in this issue and closed my credit card.
Consumer complaint received 2024-01-26
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: TD BANK US HOLDING COMPANY (CA)

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : TD AUTO FINANCE Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I submitted lots of requests of the signature page of this debt because I do not recognize this debt. 
I did have a debt with XXXX XXXX before however, I paid that debt off! 
That is the reason I have requested this so many times. This debt is not mine!
Consumer complaint received 2024-03-16
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My and my father 's credit reports have become mixed somehow and there are many discrepancies that need to be corrected my father and i share the same name and have had the same addresses, I am currently being charged with Identity fraud tho i never used his information and never attempted credit in his name or social security number many of my inquiries and credit lines are shown to be on his report this information is inaccurate and i am now being criminally charged though i never used his information. 

From XXXX XXXX to Current the inconsistency are overwhelming as the address i live at and the one he is at are not the same and the reports so that they are and they also list my email and phone numbers as well as my Business on his reports. 

Most of my paperwork pertaining to said information was taken in a search and XXXX thought no real probable cause was established other then hearsay from my father i need this to be resolved with the best efficiency possible to correct the issues and attempt to fight the current charges that are false and do to the reporting agency incorrect information gathering.
Consumer complaint received 2020-03-27
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)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformationa, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-04-16
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. (MO)

My credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was incarcerated. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.
Consumer complaint received 2022-12-28
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As I was checking, my annual free credit report, I noticed that an account ( XXXX XXXX ) was reporting as Dispute resolved reported by grantor. It still shows the account balance of {$900.00} instead of {$0.00}, which is the true balance. I called today ( XX/XX/XXXX ) and talked with a representative about this issue. I was assured in XX/XX/XXXXXXXX XXXX this account was settled, however representative states it will take the company 7-10 years to report this to the credit bureau . This is unfair and unjust, is this the law? Ive talked with each credit reporting bureau and each one gave different answers. May we resolve this issue sooner than later, as it may be preventing me from buying a home. Thank you kindly.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-12-28
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00}
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I am a victim of identity theft. Over 30 days ago I submitted my police report to Experian and requested that fraudulent accounts be blocked from my credit report pursuant to the Fair Credit Reporting Act - Section 605B. Some were and some were not. The fraud accounts were blocked from the other bureaus. They are detailed in the credit report ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, & XXXX XXXX that was again uploaded to their website with hopes that this time they be investigated and removed as they are fraudulent.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

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 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.
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file 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