davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/2019 with a credit limit of {$830.00} -This is not my account.
Consumer complaint received 2019-12-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/2019 with a credit limit of {$830.00} -This is not my account.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX XXXX report : XXXX, Account number : XXXX XXXX XXXX XXXX XXXX The report shows I currently owe money a balance of {$2800.00} to your company that I has already been paid from XXXX XXXX XXXX on XX/XX/XXXX when the vehicle was returned. The vehicle was purchase from the dealership and as well as all payment obligations were also handled with buyer. Also upon viewing my credit report payment history was reported incorrectly. Payment history has not been reported from XX/XX/XXXX to XX/XX/XXXX and for the year of XXXX it is reporting I made no payments. With this inaccuracy reporting has hindered me from any lenders to deal with me. This is not fair to me at all!
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I was in the process of selling my car and transferring an estimated {$14000.00} via a wire transfer to a chase account number from XXXX  XXXX XXXX, an account that I have had for 10 years. However, I did not realize that my debit card had not been activated and I was locked out of my account, which I corrected quickly. However, I scheduled an external account transfer of the {$14000.00} to my chase account to send the wire transfer as the dealership was insistent on the payment. XXXX XXXX XXXX finally allowed me to send the money, but I forgot to cancel the transfer within my Chase account and I had a negative balance. Immediately, I scheduled a transfer of XXXX to my chase to correct the problem but it was too late and I have found myself with a closed account. I am traveling and called immediately to promise a payment of this weekend - XX/XX/XXXX.
Consumer complaint received 2019-08-01
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. (TX)

XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a charge-off/collection in the amount of {$15000.00} along with reporting lates on the XXXX account number XXXX. ( Please see page 12 of the attached credit report. ) Due to extenuating circumstances, we voluntarily surrendered this vehicle. My wife unexpectedly had to move overseas to take care of her ill father for an indeterminate amount of time. The car was sold at auction and brought enough money to pay off what was owed. I was informed that a voluntary surrender would not be reported on my credit report and that a voluntary surrender would not harm my credit score. Since this debt was paid and there is no outstanding balance due, this account should never have been reported as a collection. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from my credit report. The account has a XXXX balance. 

Account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed.  Balance {$0.00}. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. 

Attached : Letter sent to The Best Service Company on XX/XX/XXXX, fax confirmation and FTC Report
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

I have had a recurring problem with the Chase Sapphire Preferred Card, through Chase.com. One of the advertised benefits of the card is an annual {$50.00} credit for a hotel stay when booked through the Chase Travel Portal. Apparently, Chase does not have a seemless way to issue the {$50.00} credit without the customer having to repeatedly call Chase and explain all of the details of the qualifying transaction, despite Chase having this information already. This has happened to me in multiple years. Rhetorically, Is Chase just claiming the benefit, and doesnt expect the consumer to make the multiple calls and spend hours on the phone with their agents to get the {$50.00} credit? The phone agent is not able to issue the credit, despite it being obvious that the hotel charge was booked and paid via the portal. They have to submit it to the back office, who also cant find the qualifying charge.
Consumer complaint received 2023-02-25
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. (AL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-12-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (GA)

Security finance has called me 3 times a day, everyday for the past three months. Theyve called my parents and my job multiple times a day even after asking them to not call a place of business. They have told my job that they will just take me to court and garnish my wages. I never gave permission to discuss the status of my loan. Theyve left me threatening voicemails that I have record of. They have also inquired on my credit once a month without permission that I also have record of and had to dispute.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  XXXX XXXX : XXXX Please XXXX it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (VA)

I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-07-01
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: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-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 an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2019-08-01
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. (NJ)

Didn't recieve enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested XXXX XXXX XXXX to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.
Consumer complaint received 2019-12-11
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: BARCLAYS BANK DELAWARE (CA)

Barclays US MaterCard # XXXX On XX/XX/2019, My wallet was lost/stolen, while I was visiting XXXX, XXXX, XXXX. There were 3 cards in that wallet and no ID cards : 2 Visa cards from XXXX  XXXX XXXX, and 1 MasterCard from Barclays US. There were unauthorized charges on all 3 of the cards. On XX/XX/2019, however, after only a few days past the occurred fraud, I got a call from an agent in the Barclays fraud department, essentially stating that they have determined these charges were not fraudulent, and the credit issued is going to be reversed. Again, how that agent was able to determine that within only a few business days of the transactions is beyond me ... Surprisingly, I was not even asked to provide more information on the disputed transactions. To solidify my case, I have also filed a police report # XXXX, Officer XXXX, Badge # XXXX. 

The unauthorized charges on the MasterCard that XXXX is refusing to reimburse me for are as follows : XXXX XXXX 02 for {$1500.00} XXXX XXXX XXXX for {$5700.00} I, hereby, request that Barclays US stand by its zero percent fraud protection guarantee, and make me whole on these transactions. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.
Consumer complaint received 2019-12-11
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. (CA)

This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2019-12-02
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. (IL)

I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by XXXX, XXXX, and Transunion and have yet to receive anything.
Consumer complaint received 2023-02-25
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: Experian Information Solutions Inc. (FL)

This person Is reporting late payments to Experian, XXXX, and XXXX without the consumer consent. This company also have broken a law. 15 U.S. Code 1666b I have never received a letter 21 days before due date. I only recieved mail telling me that I am in danger of repossession. Which violates law 15 U.S. code 1692j - furnishing certain deceptive formsPlease remove all late payments account - XXXX XXXX  account number - XXXX
Consumer complaint received 2019-12-11
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. (CA)

This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX  and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-02-21
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. (IL)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. Should you require any further information or clarification, please do not hesitate to contact me. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX