davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (MD)

XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX These Inquiries are reporting on my personal credit file with ( XXXX/TransUnion ) credit reporting agency . These Inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

After going through the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX I have tried to work these issues out but they have violated my rights and I have no choice but to file a claim. Here are some of the violations I was able to find that they have violated. 

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 2020-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

My Saks Mastercard credit card account has Fraud on it, capital one is refusing to assist me on my account there is Fraud charges on my credit card account, the agents are arguing with me and telling me not to pay my credit card bill and allow it to go delinquent while they complete their fraud investigation i have contacted multiple times about this transaction being fraud and they told me that it takes 2 months to investigate and not pay my bill which in turn will cause my credit card account to become delinquent. this is insane.
Consumer complaint received 2022-02-23
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. (TX)

In Accordance with the fair credit reporting act XXXX account # 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 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-05
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: AMERICAN EXPRESS COMPANY (NC)

In XX/XX/XXXX I received a promotional offer by mail from American Express for a Gold Delta Skymiles card. The promotion offered 60,000 bonus miles and was to end by XX/XX/XXXX.  The flyer I received was directed to me personally, as it contained my name and my Delta Skymiles number. Given that I was a frequent flyer on Delta, I responded to the offer and received my card in XX/XX/XXXX. 
The requirement to earn the bonus miles was to spend {$1000.00} within the first 90 days. I had done that by the end of XX/XX/XXXX. I have my XXXX statements that confirm this. By late XX/XX/XXXX, when I had not received my bonus miles I called XXXX  customer service. They assured me I would be credited with the miles, but it would take 6-8 weeks. I called again in mid-XX/XX/XXXX, well past the 6-8 week estimate and was again assured that I would get my bonus miles, but there was a problem between XXXX and Delta getting the data entered. I called In XX/XX/XXXX and got, essentially the same message. I was told at that time that a number of people were having the same problem with this promotion. 
In late XX/XX/XXXX, I called Delta and they connected me with XXXX   customer service. I was told that their records showed no promotion associated with my account, but they saw a note that detailed an inquiry they had made to marketing or some back office group in XX/XX/XXXX. The XXXX customer service rep said there was no record of any reply to that inquiry. He also said that all he could do would be to put in another inquiry. In XX/XX/XXXX, I sent a letter to XXXX  headquarters in XXXX XXXX, TX with most of this information, to include a copy of the promotional mailing I had received. I've had no response.
Consumer complaint received 2022-11-12
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. (CO)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I applied for a new account on XX/XX/2019 for a personal checking account. I have not had a personal checking account within the past 90 days of account opening. Also I have not received a checking account bonus within the past 2 years. I spoke with SEVERAL Chase customer service representatives and they are making up rules that I am not eligible for a the {$200.00} checking account bonus even though I qualify per the terms and conditions. Chase has not corrected the problem and applied the bonus to the account as advertised. 

Bonus/Account Information : Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance. To receive the {$200.00} checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 90 days of account opening. 

You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Bonuses are considered interest and will be reported on IRS Form 1099-INT ( or Form 1042-S, if applicable ).
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. 
Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. 
This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you!
Consumer complaint received 2022-11-12
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. (CO)

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 DPEDXXXX XXXX # XXXX DPEDXXXX : # XXXX DPEDXXXX XXXX # XXXX DPEDXXXX : # XXXX DPEDXXXX : # XXXX DPEDXXXX  : # XXXX DPEDXXXX : # XXXX DPEDXXXX : # XXXX DPEDXXXX  : # XXXX DPEDXXXX : # XXXX DPEDXXXX : # XXXX DPEDXXXX  : # 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 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. (MO)

I hope this message finds you well. I am writing to express my frustration and disappointment with the numerous attempts made to remove fraudulent items from my account. 

Despite multiple attempts and assurances from your representatives, the fraudulent items have not been adequately addressed. Each attempt to rectify this issue has been met with delays, conflicting information, and ultimately, no resolution. This prolonged and ineffective process has not only caused significant inconvenience but has also eroded my trust in your company 's ability to safeguard its customers against fraudulent activity. 

As a loyal customer, I expected a more efficient and proactive response from your company in addressing this matter. The repeated failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also caused unnecessary stress and frustration. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account without further delay. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : MO CHLD SPRT XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO CHLD SPRT XXXX Balance Owed : {$2100.00} XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$2900.00} JXXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/2023 XXXX XX/XX/2XXXX XXXX XXXXXXXX XX/XX/2023.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is not a duplicate request. These companies have four business days to remove the identity theft from my report which I have stated is not the result of material misrepresentation and they have refused to uphold my rights as a consumer. The identified accounts must be removed in accordance with consumer law and to protect my right to privacy and a correct report. Please see attached documents for immediate removal.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

CB/Carson 's has stated over several months that the account has been properly investigate and updated but how is this possible if the account is reporting inaccurate high balance, inaccurate date of last activity, and inaccurate payment history. This is ground for removal this also violates my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2022, I attempted to open a Truist Dimension Checking account online, and it was successful. I made a deposit of {$50.00} into my account to start it off. However, when I tried to log back in, it wouldn't let me. That's when I had found out that my email and bank account was compromised. I immediately alerted Truist, and they had given me a phone call and a link to verify myself. In the link, I had to upload a picture of my face with my photo ID. For some reason, they were not able to verify me despite my efforts to verify myself. I had visited a local branch in XXXX, but she had failed to verify me as well. The account was locked down. I could not go into my account, make changes, close or even deposit funds into it. 
In my frustration and needing a joint bank account with my boyfriend, we had visited another branch of Truist Bank on XX/XX/2022. I was helped by a banker, XXXX XXXX and he proceeded to open us another bank account, a Truist One Checking account. He had verified both of us and successfully opened the account which I then used. 
After multiple attempts to call them to verify me and visiting local branches, they still failed to verify me until XX/XX/2022. I visited the XXXX XXXX branch of Truist. The bank verified me successfully, and that's when I had found out that my account was charged " maintenance fees '' even when the account was locked down and I had no access to the account. I tried to dispute the charges for the maintenance fees because 1. I did not have access to the account, including depositing any money into it 2. It does not make sense for me to pay maintenance fee for an account that was locked and unused and lastly 3. Even if I had access to the account, I requested to close the account multiple times, in which they repeatedly told me I could not until I verify my identity despite attempting to verify myself with my driver 's license, permanent resident card, social security card and an active passport. 
A total of {$80.00} dollars of maintenance fees were charged between XXXX through XXXX, {$20.00} of maintenance fee per month. I was refused dispute of the maintenance charges despite not having access to the account, and they refused to close my account if I did not pay the {$30.00} worth of maintenance fee and also refused to refund my original {$50.00} that I had put into the account when I initially opened it. 
I am so upset and disappointed with the way Truist bank operates, and even with my active account, I still have problems with it all the time. It's certain that I am never going to bank with Truist again because of their practices, lack of customer service and ignorance in handling particular situations.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for validation of debt for the attached accounts. I have not been provided the original contracts nor any document stating these account are mine and should have been sold.
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. (CA)

This is my first 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, remove 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
Consumer complaint received 2023-01-17
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. (GA)

Hi, I contacted all three credit bureaus about inaccurate credit account and account that's not related to me. All three major credit bureau gave me hard time update and disputing the information that appear is wrong on my credit report.i called serval time and send letter of verification of my identity to update misinformed informations. I have not yes receive a letter of validation from the major three credit bureau. Please help me I am being denied due to this mislead information.My credit history has been taken off my good credit account .I purchase my car in XX/XX/2020 there has not beeb a correct payment place on my credit but wrong history information.i contact XXXX XXXX and they mentioned to me I have to contact the credit bureau to correct the account .this has been 2years now and my information and credit report still remain the same with unverifiable information inaccurate account.I called some many time about this matter and nothing has been investigate correctly
Consumer complaint received 2023-05-09
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.