davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (GA)

This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting this complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX  currently working in California on a travel covid assignment after having a new card sent to me because I reported a charge I didnt make chase sent my new card to the hotel I am currently staying at ... about a week later a spoke with a chase employee over the phone because my card was being declined she said it was locked due to suspicious activity I informed her that I have the card in my possession told her I live in New York but was in California working she then unlocked my card ... a week later I tried to log into my app and found out it was locked called chase and was informed it was restricted went to a branch here in California was informed they couldnt help me because my ID is expired it expired XX/XX/XXXXdue to covid was unable to go to DMV ... govern our XXXX extend our ID.. but was told nothing they could do so Im in California with no money but have to go back to New York to prove who I am ... ridiculous I do not feel like a valued customer XX/XX/XXXX
Consumer complaint received 2023-05-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Request for validation of debt ; pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. - company provided Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. - not provided Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.- not honored Send me proof that you are licensed to collect debt in my state. - not provided Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. - not provided.
Consumer complaint received 2022-01-02
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. (MI)

This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX  complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,
Consumer complaint received 2023-02-05
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: Experian Information Solutions Inc. (LA)

Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accounts below has violated my friendly protected consumer rights to privacy and confidentiality under 15 USC 1681 right Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. States i have the rights to privacy 15 U.S.C 1681 A. Section 2 : it also States a consumer reporting agency can not establish an account without my written instructions
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I have a leased vehicle with XXXX XXXX XXXX XXXX which is a buy here pay here dealer. on XX/XX/XXXX they abruptly and permanently closed their business with no notification to the customers. They in turn sold our information to debt collection agencies. i am filing this complaint to get the title to the vehicle i was purchasing.
Consumer complaint received 2020-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

My daughter sent {$300.00} to my account which I needed immediately. They put alert on my account and blocked me from my money. I confirmed the email address with the code they sent. However they have an old cell number I can not verify because number changed. They are misleading consumers and trying to steal my money. Then they conveniently do not have customer service workers
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/XXXX, I've attempted to withdraw XXXX from my binance.us exchange account. I've been unable to do so as the following message appears when I've attempted to do so on multiple occasions after the aforementioned date, " Withdrawals suspended due to risk management ''. I've sent in a support ticket through the platform 's help desk on the same day and the only responses I get are " We are currently working on the issue. '' For such a simple functionality, I question if this is a technical error with their system or is there some illegal reason behind this. Multiple individuals on twitter are experiencing the same issues with the company and we haven't received a single substantial response on the timeline or reason towards fixing this problem. My account is fully verified according their levels of identification so for security purposes, it passes that requirement for currencies to be withdrawn.
Consumer complaint received 2023-02-05
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)

On XX/XX/2022, I sent a letter certified tracking XXXX XXXX XXXX XXXX XXXX XXXX to get inaccurate information on my credit report investigated. 
The credit bureau stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2023-01-26
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)

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX FCRA Violation : auto loan not mine XXXX XXXX {$33000.00} FCRA Violation XXXX collection not mine XXXX XXXX XXXX XXXX$550.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (GA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I received an email from Bank of America advising that they sent a query to XXXX for my credit rating to process a credit card I never requested. I checked my account with XXXX and Bank of America did, in fact, send a query about my credit rating. I was then sent a follow up email from Bank of America ( BofA ) advising that the credit card ( a XXXX card ), which I never requested, was being approved. I contacted BofA customer service by telephone and advised them that I never requested this credit card and that I wanted it to be stopped. I was advised this would be taken care of. On XX/XX/2022 said credit card arrived in the mail. I did not activate this credit card. On XX/XX/2022 I went to a local BofA branch and requested a branch manager call their Fraud Unit and cancel the credit card. While at this branch office of BofA I also spoke with the person in their Fraud Unit and she advised that the credit card was canceled ( I never activated it ). At this time I am waiting for a confirmation letter from BofA advising that the credit card was canceled.
Consumer complaint received 2023-05-12
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: Self Financial Inc. (MS)

Whom It May Concern : I recently looked at my credit report, and I am disturbed to realize that I do not recognize multiple accounts and I can not match the debt to any debts that I am aware I owe. Can you please verify these accounts for me to help me understand why someone thinks I owe these debts. Here is a list of all the information I could find on my report, though the account numbers are only partials. I don't know where to get the rest of that information...
Consumer complaint received 2024-03-16
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)

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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MI)

I deposited {$7400.00} of XXXX Formatted USDC crypto currency into my Binance.US account address on XX/XX/2023 Binance.Us customer support stated the network was incorrect. 

Under their Website page of supported assets and networks, it states XXXX format is accepted for USDC crypto , giving no other description of network in which XXXX can be sent i.e XXXX  or otherwise. 

Binance.US does have the currency in their possession. In my wallet address on their exchange. The balance amount of {$7400.00} has not been released into my account
Consumer complaint received 2020-07-12
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. (NC)

I've been disputing XXXX XXXX XXXX in the past and i finally got XXXX  to do a real investigation on XXXX XXXX at XXXX XXXX to see if it was a real company. the results came back that its absence of existence. this is considered a Phantom Debt, because the company that there claiming to collect a debt for is non existent. i would like this removed this from my credit report just like XXXX  has done with there investigation.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

Chime gave someone access to my account whi then stole money from XXXX have been a victim of identity fraud by Chime. On XX/XX/XXXX, someone stole XXXX. 2 days prior, I received text messages asking me about support rating. Thats when I realized that someone is trying to hack my account. I opened the chat and wrote, please help, I think someone is trying to hack my account. I got the response that someone would call me. I never got that call. The next day, when I attempted to log in, my password had been reset and I had an email saying that I sent XXXX to an email XXXX at XXXX am. While I was sleeping. They even went in and left a chat saying I need a loan XXXX transferred XXXX from my XXXX savings at XXXX, and then sent {$1000.00} at XXXX to the XXXX. This means that someone called into chime, and was allowed access to my accounts.They changed my information and passwords! I have disputed this twice and I keep getting denied saying no error occurred! I also filed a report with FTC for identity fraud as well as locked my bank accounts. I do not know whom this person is that took my money nor do I know how they were given access other than by Chime.
Consumer complaint received 2024-03-16
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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER 6 MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Consumer complaint received 2023-02-06
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. (MO)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; ACCT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$53.00} ; XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.