davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-26
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. (NJ)

I just received another can letter from Experian company stating that you already verified the account listed below. 
Chapter XXXX Bankruptcy XXXX You know, Im tired of sending letter after letter to Experian company. Ive wasted a lot time trying to get this matter resolved ; yet you still will not conduct a proper investigation into my account. When your back is up against the wall, and you have nowhere to go? Well Im contacting a consumer rights attorney who specializes in suing creditors collection agencies and credit bureaus. If you choose to send me another can letter and do nothing, I ll explore all legal options and fire complaints with the following agencies : The ball is in your court.
Consumer complaint received 2020-09-26
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: EQUIFAX, INC. (MO)

I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file.

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX   3. XXXX XXXX XXXX XXXX 4. XXXX XXXX
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

On Saturday XX/XX/XXXX I reached out a an instagram seller whose XXXX name is XXXX. This individual had advertised some purses, XXXX boots, XXXX  etc. I chatted with her for awhile before coming to the conclusion that I wanted to order a pink XXXX XXXXurse and some denim XXXX. She stated she took XXXX as payment however when I tried to XXXX  her I was given an error message. Mind you I don't use XXXX. But I created the account to satisfy the business. When I messaged her and told her that XXXX was giving me an error messsage, along with a scrren shot of the message, She sent me a chime acct to send the funds to. So I asked and said I thought you only had zelle? Her response was I dont use chime. Its because I see you have chime so I ask my sister to accept the funds for me. I was directed to chime the funds ( {$210.00} ) to XXXX and an email address of XXXX. Upon sending the funds, I was told that my items would be shipped on Monday. I reached out again via instant message on XXXX and asked if my items were shipped. I got no reply. I waited a few hours and messaged again. Her response was that she had me mixed up with someone else from my friends list who ordered but she was leaving her moms house and would send me all the tracking info and that she shipped it already. So my next question was how did you ship anything? You do not have my address as I never gave it to you. I messaged her again on XXXX @ XXXX and asked for the tracking information and at that point she deleted the page. I contacted Chime on XX/XX/XXXX and explained the situation and was told there was nothing they could do.
Consumer complaint received 2020-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, XXXX, and Transunion assumed this role without permission, not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. 


They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2020-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (FL)

XXXX for of my social security is XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company. A clause in the original signed contract that authorizes you to collect on this debt. ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XX/XX/2022 ) True Accord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( REF. ) : XXXX  Account Ending In XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication. 

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is True Accord using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & True Accord has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from XXXX XXXX NEVER! Did I give XXXX, such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to TRUE ACCORD who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of True Accords gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

True Accord has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}! I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be XXXX Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name. 


Kind Regards XXXX XXXX Without Prejudice, ALL Natural Inalienable Rights Reserved
Consumer complaint received 2020-10-03
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. (FL)

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. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
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 2020-10-03
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)

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. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
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 2020-10-03
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 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. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
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 2020-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This company has emailed me about this account that does not belong to me. I have asked them to REMOVE this off my credit report more than once. They sent me a credit card statement. I told them I don't recognize that. I have asked for something with my signature on it but they have failed to do so. I went to my local counts to file a suit but they told me I will have to file it where the company is registered at. I will do this once covid19 is over.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION, XXXX has violated my federal consumer rights along with may reporting violations found due to inaccuracies and unverified accounts I have attcahed the letter from the bankruptcy court that they do not verify with third parties I HAVE INFORMED THEM OF THE IDENTITY THEFT however they aren't reporting it rights violated BLOCK Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ). 
I have attached letter from the XXXX XXXX XXXX  stating they do not verify with third parties like XXXX Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. next issue inconsistencies in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX DELETE unverified account FRAUD I did not file this complaint in error and please update my ADDRESS to whats on my GOVERNMENT ID you have all documents to proceed
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (WA)

I have a Citi Double Cash Card Which I used for their introductory Balance Transfer and Interest Rate promotions of 0 % and 1.99 %. Unfortunately I was Taken Advantage of an outside COVID Scam claiming to pay outstanding Credit Card Balances if I was affected by COVID. I'm a XXXX XXXX   owner that has been greatly affected by COVID, so I 'applied ' and was then given banking information to pay my outstanding CC Balances. I attempted to pay my Citi Double Cash Card Balance with the COVID scam Banking information, and of  course the payment was later returned ( however I had already satisfied the minimum payment due from my personal account, which had cleared, so I wasn't late or missed a payment ). Citi then took the returned payment amount and applied over 90 % of it to a 'Standard Purchase ' increased rate of 23.49 %. I contacted them and described the situation that I was taken advantage of in a COVID scam, and that the original Purchase/Balance Transfer was completed under the introductory promotional interest rate ( which had not expired ) and asked that the returned payment amount be applied to the interest rate that the original transaction originated from ( I was even willing to accept a returned payment fee ). They said there was nothing they could do but return the initial interest fee, but now I'm stuck with a balance that was at 0-1.99 % Interest and is now at 23.49 % which will obviously cost me significantly more in interest over time. To add insult ... When I struggled to make additional payments over the minimum amount due to make up for the interest hike, they applied all additional payments to the remaining small balances on the 0-1.99 % interest rate. Cardmember Agreement states " If you pay more than the minimum payment due, we'll apply the amount over the minimum payment due first to the balance with the highest APR ''. I again contacted CITI to discuss the payment allocation, and CITI representatives only continuously repeated what the cardmember agreement states and not how it applied or was incorrectly applied to my account. When I kept stating that I paid $ X over the minimum payment and my 23.49 % highest interest balance did not decrease, only the 0-1.99 % balances, they ignored my facts, and eventually ended the conversation abruptly. I read through the entire cardmember agreement, and didn't see anywhere that it states returned payments would be applied to the 'Standard Purchase ' Rate. Additionally, CITI double Cash Card offers Cash Back on Purchases and Payments, but my returned payment amount even being labeled and applied to the 'Standard Purchase ' rate, doesn't qualify for the purchase and repayment cash back 'promotion '.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

As stipulated in 15 USC 1681 section 602 ( a ) of the FCRA, it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. I am particularly attentive to the principles outlined in 15 USC 6801, which underscores my prerogative to safeguard the privacy of my personal information.

Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. In light of this, it is crucial for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as outlined in section 1681b.

After a thorough examination of my credit report, it has come to my attention that certain accounts may not be in compliance with these regulations. Specifically, I am requesting the removal of the following accounts : XXXX XXXX XXXX - Balance : {$13000.00} XXXX XXXX XXXX- Balance : {$3300.00} In accordance with my rights afforded by 12 CFR 1016.7, I am exercising my right to opt out of certain information sharing practices. Additionally, pursuant to 15 U.S Code 6802, as a financial institution, I kindly request the provision of the original contract with the original signature and creditor information associated with the aforementioned accounts. 

Thank you for your prompt consideration of this request.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It always ask me to create a new password even though i just had created one. And when i do it then makes me change it 3-5 times in a row. So it eventually will never let me login in to my account. Only sometimes it will let me.
Consumer complaint received 2020-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I now have filed XXXX dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with XXXX XXXX, XXXX, Transunion XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have sent a few letters, asking XXXX XXXX XXXX, XXXX  is send me original documents with my signature, as a proof to this claim i am unaware of. After the second letter i received a response saying. They have completed their investigation, and have established validity. I have yet to see documentation with My signature. I called the original creditor, Capital One and made them aware i knew nothing of the debts. Capital One response was that they had no original Documentation with my signature on it.Upset that they have not worked with me to resolve this matter.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (NC)

I received an fraudulent email XX/XX/2020 from a credit bureau Equifax with the address XXXX with a misleading subject : Equifax credit monitoring and identity theft protection features for $ XXXX. 

I am reporting email intrusion being that they used XXXX which is a new email address and I have not authorized nor have I given consent to have my personal information used by/ or for marketing purposes. I am a victim of online fraudulent crimes ; email intrusion violation of privacy etc
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion has not erased or closed my bankruptcy.Ommy credit report even though I have offered proof. This is affecting my way of life. Today I was denied a car loan because of their incompetence. I worked hard to build my credit back I need something done ASAP.
Consumer complaint received 2023-05-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

In XX/XX/2023, I sent out certified letters to Experian, XXXX, and XXXX requesting to have proof of how they verified negative information placed on my credit report, and I have not had a response to my inquiry. 

As consumer reporting agencies, they are supposed to fully investigate and be able to provide proof of their investigations before they place anything on a consumer 's personal credit file, and I believe that they have not followed the proper investigation process before placing these items on my credit report.
Consumer complaint received 2020-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (IL)

In early XXXX, I opened a bank account with chase. I opened it with my paychecks that Id save from work to open a new account. I go in, get the account, and continue on. After two days, my account randomly locks. I go in to ask and they tell me that its because they need to verify its me so I said okay and give them more info. The lady then tells me that Id be easier to open up a whole new account and send the money from the old one to that one. After opening up a new one I deposited {$800.00} into my savings and I had {$300.00} in my checking. After two days it got closed yet again and I called this time. They told me it was because chase ended their relationship with me, which I didnt care. But I asked about the money. The lady told me itd take 1-2 weeks and its been over a month now. This is {$1000.00} that chase stole from me and theyre refusing to give me.