davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, a purchase of {$1900.00} was posted on my Citibank account. The transaction was made on XX/XX/XXXX, and the merchant was named " XXXX XXXX XXXX MD XXXX ''. It was via my debit card at that time with the ending XXXX. I never consumed at this merchant, not had I consumed at this type of merchant. I found out this fraud at XX/XX/XXXX when checking my Citi mobile app. I called the official number of Citi immediately after finding this out and received a case number " XXXX '' from the dispute department.

I also requested to stop my debit card immediately and to stop any online banking services. Thus, my debit card has been inactive for 2 months ( I still used ACH to pay for credit card, but not using debit card ). I was outside of US in another country during XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX I followed up with Citi, and they said the case was closed because there was not enough information. I requested to re-open the dispute and received another case number " XXXX ''. 

On XX/XX/XXXX, I followed up again and got noticed that the case was closed again, and I requested to re-open it, I received another case number of " XXXX ''. Being rejected twice by Citi, I asked for detailed reasons. They provided that " ( 1 ) the transaction was made online, so that although in the US I have not been outside of state CA, it could not be a proof of I could not consume at the merchant in state MD '' and " ( 2 ) I requested the replacement card 2 months after I filed the first dispute, and that was an evidence of me thinking my debit card as safe. '' Those reasons provided demonstrated extreme unprofessionalism and carelessness for customer of Citi. I follow up to them as " ( 1 ) if my account transaction history has been carefully checked, it could be easily found out that I have never consumed at this type of merchant. Also, the merchant seems to be camping, and I could not have benefitted from this service without physically being in MD, so there's no reason I could pay for it. I have never paid anything for others using my debit card '' and " ( 2 ) the request of replacement card was due to uncontrollable reasons of me not being in the US, and I have requested to stop my debit card and online banking services immediately after I found out this fraud. '' From these three interactions with Citi, I have been shocked by their irresponsible actions in protecting the financial security of their customers. Thus, I find it necessary to go to the government and seek more actions and professional help.
Consumer complaint received 2023-03-08
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)

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2021-01-12
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

I have a debt collection reporting on my credit that does not belong to me. I have no knowledge of the debt being reporting. This account appears to be fraudulent due to the result of an identity theft. Under no circumstances have I authorized nor given anyone permission to do so on my behalf. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

I received a copy of my credit report and I am writing to dispute the following information that appears on my XXXX report, XXXX and XXXX. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via Guardian Capital Management Hawaii on XX/XX/2023. Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report.
Consumer complaint received 2023-08-01
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : OAG CHILD SU XXXX XXXX XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. I am sending this email here because I have exhausted all my other options. I have pleaded with Chase, opened cases, opened disputes and investigations to not availability. I have only been hitting dead ends. 

I am in dire need for someone to help me. On XX/XX/2023 while I was at work in XXXX New York, I had {$37000.00} stolen from my bank account which I never consented. My card was in my possession at the time of this cyber robbery. I took immediate action the second I saw something was wrong. The money was withdrawn in XXXX, New York through ATMS, CHASE BANK & Money Orders at USPS. Additionally even my cellphone was turned off because someone stole my phone number, which prevented me from getting notifications from CHASE. My manager wrote a letter stating I was at work during this time, I also sent this letter as well as my work schedule. I sent all evidence I had to chase and they refuse to return all the money that was stolen from me. 

I attempted to find a financial lawyer, I made a police report and am currently awaiting camera footage for over a month. Its extremely hard to get a lawyer to pay when I have existing expenses that I can not cover because my money was stolen. 

I have been a loyal Chase customer for years and I am appalled at how I am being treated. I am a legal XXXX who is trying to go to school for a better life, I am a woman, I am a human, this was my savings and it is gone. My life is completely destroyed. I am asking for someone to please listen and help.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Id like to remove these items off of my credit report due to inaccuracies. Credit bureau are reporting wrong information and are allocating debts that are not mines. Below are the discrepancies that are throughout my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-12
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Remove accounts which are not belong to me.. Please review this and remove this as soon as possible.
Consumer complaint received 2019-09-25
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: CITIBANK, N.A. (AZ)

XXXX XXXX XXXX XXXX on XX/XX/2019 because of refinancing current home, notified me of 1 outstanding bill from Macys. First  time I heard of bill.Contacted Macys who told of bill being sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ.and was never forwarded to current address of XXXX XXXX XXXX, XXXX AZ. Also said they left a voice mail which I never received. They indicated I should contact Post Office for tracking, Post office said they said do not do tracking on letters. Contacted Macys again and said nothing they can do. This discrepancy lowered my credit scores 100 points. Contacted credit score services, XXXX, XXXX. After investigation said theres nothing they can do. Asked what type of investigation was performed, but could not respond. XX/XX/2019 went to credit department for Macys in XXXX, Az but said they dont handle such matters. They recommended going to service department in an actual Macys store. When I did go to store they told me there is nothing they can do. Therefore no recourse for Macys errors.
Consumer complaint received 2023-07-31
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)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2023-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One Auto Finance I test drove a vehicle XX/XX/2021. It was not the vehicle that I wanted so I decided against it. I purchased another vehicle from the same dealership but my bank financed it. The Capital One approval should have been reversed. Instead, they charged me {$790.00} for a $ XXXX vehicle and they have no explanation as to why. I never took ownership of the vehicle. The salesperson drove the vehicle back and forth to work for at least 3 weeks. I know this because when I picked up my new vehicle, he was still in it. Capital One sent my a loan contract with someone elses signature on it. I initiated a fraud report and I sent in all of the documents that they asked for. They still will not remove it because I wont send them a copy of my social security card. They dont have any proof of the validity of this debt. Ive been fighting with them for 60 days. I didnt know of the debt until recently when I was trying to purchase s home. Theyve reported it as a charge off monthly for the last 18 months.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PER XXXX THEY MEET THE FCRA REQUIREMENT. AS A CONSUMER I DISAGREE BC I DID SUBMIT A LETTER REVOKING ALL AUTHORIZATION PER 15 USC 6802. THEY ARE NOW IN VIOLATION OF THE FEDERAL LAW. 

FURTHERMORE ALL CREDIT BERAUS ARE IN VIOLATION OF THE PRIVACY ACT OF 1974.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (FL)

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have worked with XXXX many times to correct the information they are reporting with no changes made to my credit record. I am asking that this account be updated and removed.
Consumer complaint received 2023-03-08
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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)

I discovered that the same accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-08
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. (FL)

The unverified accounts indicated below reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated immediately for they are greatly harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (NC)

Ally said over the phone that it was paid off after the wreck in XX/XX/2019. XXXX XXXX totaled the car out due to the wreck., So i don't understand why I have a balance. 
i was current on all my payments at the time. The car was XXXX XXXX paid off.
Consumer complaint received 2023-03-08
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. As I checked my credit record, I just discovered a billing problem. U.S. Code 1666 defines billing errors as any mathematical or other accounting errors on a statement, as well as the creditor 's failure to appropriately record a statement, a payment received by the debtor, or a credit line extended to the debtor ( b ). I believe there shouldn't be any late payments on these accounts because the creditor did not send me a statement 21 days earlier. This is a list of the accounts that are under dispute : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2021-01-12
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. (FL)

I am a Federally Protected Consumer. According to USC 1681a Congress makes the following findings in regards to the accuracy and fairness of credit reporting. 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please see the attached.