davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$800.00}
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-03
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. (NY)

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 Account XXXX # XXXX 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 2020-03-17
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 (WA)

It is with the Capital One Credit Card company. One Vendor has  made an unauthorized duplicate charge on my card and Capital One has failed to properly investigate the charges. Most of the details are given in the documents uploaded in Step 3.
Consumer complaint received 2020-03-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AL)

I canceled my auto insurance with XXXX  dice their rates were getting so high, well before it was due to renew on XX/XX/2016. However, I had to pay a {$50.00} fee for cancellation of my insurance which I dont know is legal or not. But, I received a bill for {$330.00} from XXXX, long after I had gotten insurance with someone else ; this amount was the renewal fee if I had renewed with XXXX, but I did not. The {$330.00} is the exact amount for renewal in on XX/XX/2016, if I had chosen to renew. XXXX is putting this bill on my credit report, and I do not owe it as I told them I was not renewing and had to pay {$50.00} for canceling the insurance I had ; in fact, I canceled earlier than my previous insurance went out and they got to keep the remainder, but refuse to remove this bill that I do not owe from my credit report. And, each months bill was auto-debited from my account, so XXXX would have taken any amount I owed out if I really owed anything. I feel, the company is just aggravated that we did not renew with them with this high renewal monthly premium, and they are trying to hurt and are hurting my credit with a false bill.
Consumer complaint received 2024-04-04
Product: Credit 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: Chime Financial Inc (MS)

I have been paying this company for over XXXX years and Im supposed to be receiving merchandise to start and have a XXXX, I have been paying for supplies for the absolute longest period of time and its not fair that I have spend over XXXX for 2 years and never received my merchandise
Consumer complaint received 2023-03-16
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. (NY)

Re : dispute Re investigation I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file and you seem to have mistakenly verified them as accurate. The following accounts are not mine. Maybe the source is unreliable, but I need you to perform a Re investigation into these accounts and delete them Immediately : Account # XXXX XXXX OPENED XX/XX/2021 Account # XXXX XXXX XX/XX/2021 Law 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes The following accounts are in violation of these laws and need to be deleted from my consumer report immediately
Consumer complaint received 2020-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I was part of the group effected by the XXXX  breech. Because of this, I keep a close eye on my credit reports. Recently an AKA has shown up on my credit report for someone named XXXX XXXX XXXX and XXXX XXXX. The only negative issue on my credit report at this time is number of inquires for new credit. What kind of information did this person need to be put on my credit report?
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My complaint is about XXXX  US Store Credit Card, They have not updated or reported my payments to the 3 credit Bureau since XX/XX/XXXX. This is showing as a high balance for the last 4 months. This is affecting my credit report. Below is the state of my credit file as XX/XX/XXXX. 

Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$300.00} {$300.00} Payment Info Status Current Updated on XX/XX/XXXX Past due amount - Highest balance $ XXXX  Monthly payment {$28.00} Late payments -
Consumer complaint received 2023-02-06
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account which is found to be opened due to identity theft. The dispute item does not belong to me. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2020-03-17
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: CITIBANK, N.A. (VA)

On XX/XX/2020, credit cards and one debit card were stolen from my wallet at XXXX XXXX XXXX in XXXX, VA XXXX between XXXX and XXXX. One of the cards included - Citibank Double Cash card XXXX XXXX XXXX XXXX. There were 2 charges that were charged on my credit card 1. XXXX XXXX # XXXX for {$2000.00} 2. XXXX XXXX  # XXXX for XXXX I called in and reported the card stolen around XXXX on the same day. I was told that an investigator will call up to get further details. 

A case was filed with XXXX County Police Department ( Case # XXXX  XXXX XXXX ) on the same day ( XX/XX/2020 ). 

After a week of charges showing up and No call from an investigator, I called up on Sunday ( XX/XX/XXXX ). I was told that investigator will call me up on Monday ( XX/XX/XXXX ). I called them up again on XX/XX/XXXX that I did not receive a call and what was going on. 

Most credit cards issue immediate credit. I was told by XXXX the representative that no one is even working on my case. It is in a line and it will be worked after all cases received before me are worked on. I gave her the police case number and additional details. I was told it will take 1-2 billing cycle to resolve the case. When asked for credit so i dont have to pay late charges or interest, i was told it is not the policy to do that and citibank does not issue credits anymore because people are reporting false frauds. Also, I do not have to pay the charges that are disputed. I asked for any document that says I have disputed the charges for my records. She said they do not do that. Their legal department has not issued a template for that. So what is my record - I have none except for my voice conversations. When I said what if interest is charged on the unpaid amount - the answer was it will be adjusted later. When i asked for a supervisor, i was told the line is closed and they will call me within 24-48 hours
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the company 's customer service representative. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NC)

I signed up for a Citi ACCELERATE SAVINGS account from a link provided on the Citigroup website. The offer was for a {$450.00} bonus if you deposited a certain minimum amount and maintained that balance for 6 months. I met all the criteria required. When I initially called to enquire about the status of the bonus, I was told I DID qualify and the funds would be paid XX/XX/XXXX. Now, they are saying I do NOT qualify, and that I need to provide them the promotion offer code. I do not have a code since this was offered to me via their website. I acted in good faith and met all the requirements. I feel this is a very misleading business practice and unfair to consumers.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On XX/XX/XXXX by XXXX Mail # XXXX XXXX XXXX XXXX XXXX TransUnion was notified the creditors in question had not replied with a validation response. 
Again on XX/XX/XXXX by Certified Mail XXXX XXXX XXXX XXXX XXXX TransUnion was requested to provide the reporting documentation as required by Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) TransUnion It has been over 45 days You Have Failed to Provide the required documentation according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are in default of federal law to verify - through the physical verification of the original signed consumer contract - and provide me the Consumer your verified proof of the accounts in question you posted on a credit report. 
TransUnion you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
As per Federal Law under the Fair Credit Reporting Act TRANSUNION is Required to send the following information TRANSUNION used to verify the validity of accounts listed below XXXX Bank, # XXXX, No Contract, No Mortgage XXXX XXXX XXXX, # XXXX, No Contract The Name of the Original Creditor The Original Creditors address & telephone number The name of the person ( XXXX ) you verified the disputed information with The certified documentation in possession used to conclude your investigation The documents and all correspondence information that was transmitted to and from the data furnisher ( alleged Creditor ) as part of the investigation. 

TransUnion it has been well over the time limit set by the Fair Credit Reporting Act to provide me with the Proof required under this Federal Law. 
This is your Notice of default. I requested the following information & verified proof XXXX received from the Listed accounts.. to date you have responded with no Proof. or documents only your standard chain letters.. this is in violation of federal law and fines will be imposed. 
TransUnion was Notified of the information and facts on XX/XX/XXXX XXXX and still has not produced the required information by XXXX law. The law is very precise on what XXXX said is to happen TransUnion is in violation of this XXXX of XXXX and should be accessed fines as outlined in the Law for fraudulent credit reporting
Consumer complaint received 2020-03-09
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. (NC)

XXXX  cease ALERT ALERT ALERT XXXX  IS GOING TO DELETE " 3 '' XXXX   XXXX XXXX 8 DIGIT ACCOUNT NUMBERS ALL THREE END IN XXXX!!!!!!! 
ALERT CFPB XXXX  HAS NEVER REPORTED THESE ACCOUNTS UNDER MY CREDIT ... THIS IS OUTRAGEOUS conduct by the TOP MAJOR # 1 CREDIT REPORTING AGENCY IN THE WORLD. CFPB SANCTION XXXX .. They continue to destroy delete change inquiries soft to hard back to hard and then change the names completely ... illegal ... ..illegal ... XXXX  YOUR COMPANY HAS CONTRIBUTED TO MY PERSONAL ASSAULT CALLED IDENTITY THEFT!!!!!!! XXXX you still have not told me who put the fraud address of XXXX XXXX XXXX on my credit so THAT I CAN STRAIGHTEN OUT XXXX  MESS ... XXXX  CEASE CEASE GIVE ME THE CORRECT ACCOUNTS SO THAT I CAN LOCATE OVER MY LIFE MILLIONS OF MY SOLELY OWNED MONIES MYSELF I just received a dispute results with a non monetary XXXX   award from XXXX. I WANT DAMAGES XXXX. 
CFPB I am asking for a damage award regarding this from the cfpb damage fund. How do I do that XXXX deleted three XXXX  XXXX XXXX accounts ending XXXX XXXX I NEED all 3 ACCOUNT file INFO ... ..INFO MY OVER 1 MILLIONS LIFE MONIES DOLLARS MIGHT BE IN THESE 3 XXXX XXXX  XXXX ACCOUNTS THAT I HAVE BEEN REQUESTING AND REPORTING SINCE IN PERSON XXXX  at XXXX XXXX XXXX XXXX  XXXX va THESE ARE NOT NUMBERS THAT ARE ORDINARY THEY ALL HAVE 8 DIGITS ENDING IN XXXX  I AM REQUESTING ALL DETAILS ON EACH OF THE FOLLOWING IMMEDIATELY AS STATED ON XXXX  DISPUTE ATTACHED XXXX XXXX XXXX Do not delete XXXX  you have never reported theses on my name no wonder I have identity theft. ALSO TRANSUNION AND XXXX  DO YOU HAVE THESE ACCOUNTS UNDER MY NAMES
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

My name is XXXX XXXX I been with Wells Fargo Bank Since XXXX. I noticed every other month my account is short of money or fraud is being made, no matter how many times I get a new card it still happens XX/XX/XXXX a purchase of $ XXXXwas Authorized XXXXcarddelivery in Texas my card ending inXXXX.On XX/XX/XXXX a purchase was Authorized of XXXX  Company XXXX  filed a claim for XXXX} purchase Authorized XXXXat XXXX XXXX  XX/XX/XXXX XXXX purchase Authorized at company XXXX  XXXXpurchase Authorized of $ XXXXat company XXXX Overdraft fee XXXX  ) XXXXpurchase Authorized XXXX  XXXX XXXXpurchaseAuthorized XXXX  card delivery XXXX  XX/XX/XXXX purchase Authorized XXXX  $ XXXXAllof these transactions are from my daily checking account. This fraudulent transactions Authorized by Wells Fargo
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section XXXX ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Yours Sincerely XXXX XXXX