davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There is a bankruptcy incorrectly showing on my consumer report with Experian. The court listed on the report does not exist. I have called the courts in my city, they are not able to verify this information. On XX/XX/2019 I sent a dispute with them. They sent me a response dated XX/XX/2019 that says they found the information through XXXX. This is invalid data, bc I placed a security freeze on my XXXX file on XX/XX/2019.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/22 I opened a Citi Business Checking Account in branch in XXXX XXXX, CA. I was enrolled in a promotion that required I make a deposit with 20 days, hold the funds for 60 days to receive a {$1000.00} bonus. On XX/XX/22 my account balance reached {$50000.00}. I maintained that balance through XX/XX/22. The terms stipulated that the bonus would be paid within 90 days of meeting the terms. The bonus has not been paid. I have called three times regarnding the bonus and the representatives have let me know that I have met the terms but tell me to wait. The last time I was given the reference number XXXX by a manager who said she was raising an investivation. I would appreciate the bonus being paid now as I have met the terms.
Consumer complaint received 2022-04-18
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. (AL)

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 ( Inquiry date XX/XX/XXXX ) has violated my rights XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2019-12-26
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. (OH)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2019-12-17
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-01-21
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. (FL)

Equifax has been mailed and faxed XXXX XXXX 6 different times and each time they claim they did not receive the documents and they do not upload the items i have provided and mailed tracking numbers showing they did receive and they refuse to block and remove items which are fraudulent. namely the XXXX account and 9 different inquiries. this is my last attempt at resolution to block these items from my report otherwise i will seek legal lawsuit for damages caused by ignoring the FCRA
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Chime Financial Inc (GA)

Well this month on XX/XX/XXXX of 2023 I was logged out of my chime account because my phone had broke. So from beyond that point this whole month I had been back and forth with the company trying to get my account back because I still have money on my account, anyways I called the company and everytime I call them for my account I have to verify it's my account when I do all the steps it says I have to do it all over again. Chime customer service didn't help with the account I've tried to speaking to someone in command but everytime I do get on a phone call with a supervisor they would tell me I have to redo the steps. I have bills too pay and I know that I have money on my account but it's just the fact that I have money on my account and I don't know if my money is being used or not plus my taxes are coming in and it's sent to my chime account so I would be having a total of $ XXXX {$5000.00} I need help please help me out. Thank you for reading this and helping me out with my problem. P.S. The phone number associated with my account hasn't been in use for approximately 3-6 months
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

My auto loan was transferred to Ally financial and My second Payments was dishonored without cause. I initiated a billing dispute and tried to make subsequent payments via phone as previously done with the first payment. I was refused and demanded certified funds I requested a billing dispute contract information and sent mailings to several departments including the Corporate Office and CFO. i received no response to verify validity of the refusal. I spent hours on the phone with at least 6 separate agents and all ended with refusal of payment via phone. I sent a check for payment in full a month ago and 38 days later they sent it back. It has a endorsement stamp CREDIT TO ALLY as endorsement but the letter sent only state ally was not accepting the payment Nothing more. There are no stamps of insufficient funds or bank refusal on the check. 

Per UCC 3-502 Unexcused delay/Discharge this debt is discharged. 
3-506 Time allowed for Acceptance/Payment 3-508 Notice of Dishonor 3-604 Tender of Payment 3-603 Payment or satisfaction 3-602 Effect of Discharge Against Holder in Due Course 3=606 Impairment or Recouse of collateral Ally repossessed my car during the billing dispute with Ally refusing several methods of payments. 

Changing the contract without my consent is unlawful. Repossession of was in called for and I had valuable items stored in my property. 

Calls to ally have yielded no results I recently submitted a rescission of contract notice to the car dealership who fraudulently transferred my note to Ally and also the same notice to our financial who claims that I owe a debt which I have proof of payment and refusal without cause.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  : - ; XXXX  XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX  : {$180.00} ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (OH)

had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with XXXX XXXX cause i feel someone is taking advise of me and my credits. So i did contact paypal to solve my billing and they contact the bank to filed complaining. there is lots more i see on my credit reports. 

Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (PA)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX FCRA Violation : hard enquiry not mine XXXX
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (PA)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX FCRA Violation : hard enquiry not mine XXXX
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (GA)

I noticed these fraudulent inquiries on my XXXX and Equifax credit reports and I've disputed them several times with the companies and XXXX and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-11
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$7900.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiredon XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired onXXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-23
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: VYSTAR CREDIT UNION (FL)

Vystar has reported this account to the CRA without my consent causing me problems for my bettering my future as well as being denied for any credit. It is against consumer law to report to the Credit reporting agencies and without my consent. I have never given them any written consent to share my PERSONAL information to any third parties.
Consumer complaint received 2023-01-23
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. (FL)

Experian is reporting fraudulent items on my credit report. The items are XXXX XXXX, XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

From XX/XX/XXXX until XX/XX/XXXX I was unknowingly being subjected to a {$19.00} monthly charge that I was deceptively enrolled into. I did not use the service at all in this time ( my only logon was today when I searched for how to cancel my account ). this is consistent with the deceptive behavior TransUnion has already been found responsible for : " In their advertising, TransUnion and XXXX   falsely claimed that their credit scores and credit-related products were free. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. ''
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION is reporting entries from XXXX XXXX  XXXX and XXXX  XXXX  XXXX  on my credit reports. Reporting of these collection accounts are false. In California minor children are required to maintain coverage under the state's mandatory Children's Health Insurance Program ("CHIP"). Because the credit report entries of XXXX  XXXX  XXXX  and XXXX XXXX XXXX are attempting to collect purported debts for emergency medical treatment rendered to my minor children they are invalid since a medical provider is comparatively liable in not complying with the state's mandatory insurance provisions. TRANSUNION's negligence is that they still continued reporting this inaccurate, fraudulent consumer collection information on behalf of XXXX XXXX  XXXX  and XXXX  XXXX XXXX.
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

XX/XX/2019 i fill a lost card and unauthorized transaction / on XX/XX/2019 i was advise to stop my direct deposit due to to the unauthorized transaction/ Mr XXXX representative advise that he would send out another cc / I did recieve that / call back on XX/XX/2019 to get updates and my claim was denied / fill a appeal that same day XXXX a week later no respond fil a complaint with still no respond / fill another claim XXXX XXXX 2019 XX/XX/2019 and out of all the claim i recieve one letter pertaining to the first claim that i was denied, and that came for the first iniall claim, and still fighting to get my account correct, the total of fraud charge XXXX they gave me XXXX which took it down to XXXX now this is bad they keep on staying they want a copy of my work hours and a police report which i think that is private. i never had to go threw this with any bank, this is bad and not a safe bank for anyone if they cant secure your money but want to give you XXXX like your the crimnal. now ive file 6 fraud claim and only recieve one letter  pertain to the first and everyone else collection calls which iam not paying a thing i didnt do it so iam not paying. but this needs to be handle its beeing a month now going on two months and no calls or responds to nothing.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Department XXXX XXXX XXXX.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC (SC)

Brock and Scott, PLLC has no contract with XXXX XXXX XXXX XXXX, now XXXX, XXXX. The company claims to be some sort of representation of XXXX XXXX XXXX XXXX XXXX, who the affiant also has no contract with. This company is XXXX  and maybe in possession of intellectual property. A surplus has been created in the name of XXXX XXXX XXXX XXXX. I demand that this estate property be returned to the trust immediately. I have reported this company to the XXXX XXXX XXXX of the Internal Revenue Service for unauthorized use of non-public personal information without expressed authorization. Attached is XXXX XXXX XXXX XXXX XXXX default. The affiant is not indebted to anyone. All debt obligations are of the United States per 18 U.S.C. 8, 12 U.S.C. 411, 31 U.S.C. 3123, 46 U.S.C. 53705, etc al.. 
This company has furnished deceptive forms to a consumer/natural person. XXXX is coming from a debt collector and the communication is false and misleading. I do not choose to contract with any of these debt collectors. I demand that all estate property be released immediately. This is not a request. If terms and conditions are not met within XXXX business days, a federal lawsuit will be commenced against these criminals for violation of the Civil Rights Act of 1866, Truth in Lending, and Fair Debt Collection Practice Act. 
Please keep in mind that any implication that communication is coming from an attorney is false and misleading pursuant to the FDCPA. XXXX XXXX XXXX XXXX XXXX has acquired a debt and has agreed by silence to the debt. This debt will be considered a bad debt and will be collected upon the rule XXXX with the Internal Revenue Service. 
What these XXXX companies are doing is Identity theft. This is illegal and the XXXX XXXX will apply to such criminals as well. 
PLEASE SEE ALL ATTACHMENTS