davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX, and American Express have a Business card under my name that I have never applied for. These cards have been opened since XXXX of 2020 as they stated. I have never gone in personally to apply at any of their branches for a business card from a business I dont even own. Every time I call both of the companies they give me the run around by transferring me from department to department. They just keep sending me letters stating that the account is valid, but cant provide me my signature or proof that I went into their branches to apply for a business card. Seems like they do not want to help me out. The business XXXX  card balance is around $ XXXX {$26000.00} while the American Express is owed around $ XXXX {$5000.00}. 
These cards have been and are continually affecting my credit score with absurd outstanding balances. 
I have filed an identity theft police report on XX/XX/2020 for the first fraudulent account I was notified from which it was the business XXXX  account. I also filed a FTC report stating both accounts, and still cant get anywhere. I have continually pursued XXXX bank, and American Express to remove these accounts from my credit reports. These accounts do not belong to me and as stated before, I did not open these accounts and I should not be held responsible for the theft of my identity. This has been a continuous burden that I would love to have mended so that I can move forward with my life.
Consumer complaint received 2023-01-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Hi, my problem is on last Sunday ( XX/XX/year> XXXX ), I went to the citi bank ATM to deposited cash, after I put money into the ATM machine, I checked the balance I found out the XXXX dollars didnt go through to my account, I called the citibank right away they give me a claim number, they said let me to wait a couple of days, but until now they didnt solve the problem for me. Could you guys help me to find out where is my money, bc this is not a little money, Im really scared the money will never back to my bank account. The ATM number is XXXX. And I have two claims number one is XXXX, and other one is XXXX. bc I called them two times and they gave me two different claim number.Thank you so much and pls help me!!!!!!
Consumer complaint received 2023-05-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

I contacted Chime in XX/XX/XXXX on their customer service number that is in back of their card. I contacted them to have them transfer my paycheck money from my savings from Chime to checking to XXXX. I accidently made the transfer from my chime checking to my chime savings on the app, I tried to transfer it back and was unable that's why I contacted customer service. They told me that they would help me. They asked me to download a app to make the transfer. The app is XXXX after I downloaded the app they asked me for a code that the app would provided to me. I gave the code to the customer service rep. He said it didn't work and that I would received another code and we tried a couple of times. He then sent me to my chime app and for me to go to my settings and that's when I noticed that he had all the bank information. He then wanted me to transfer {$1000.00} to him and then he would transfer the money back to me and I would see it available in XXXX. I see an email that I transferred money to XXXX XXXX for the amounts of {$490.00} and {$490.00} on XX/XX/XXXX. I contacted chime and they transferred me to their fraud dept. They tell me that they cant help me and for me to go to the police station to file a report. I contact the police. The police told me that Chime has to make a dispute for me for this fraudulent transfer. I finally make a dispute for these unauthorized transfers. I made a dispute and they denied it. I made the police report and he provided a report number and in 4 days I will have the complete report. I send the police report to Chime through an email provided. They received it and I made a new dispute and they deny it again. I don't understand how this happened if the number I contacted is the number for Chime provided in back of their debit card. I am upset that Chime is unwilling to help me get my money back. I worked hard for this money and it was my mortgage payment.
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: SL Finance LLC (VA)

I was contacted by SL Finance around XX/XX/2020 about the Revised Pay As Your Earn ( REPAYE ) program. I have all of the email communication up until them not responding. I was told with this program I would have to initially pay I believe around {$500.00} in order to begin the repayment plan and then $ XXXX was to be forgiven once I made payments for 5 years. I have payment receipts from the payments I made to them, if not all of them, certainly most of them. I continued making payments through the pandemic. I have since received contact that my loans were not being paid on the actual Department of Education side of things. I'm still owing my full amount and when I reached out to them, they stated that the company has been seized due to being fraudulent. With how these payments were made, I was not able to dispute them through my financial institution so now it seems I'm just out of the money I was paying them. I thought I was paying on my student loans and now I'm unsure if I can make the payments for the new payments. Im not sure what I need to do at this point with everything.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-08-07
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. (LA)

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX I XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX I XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-03-09
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. (NV)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove/block any account which was 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 XXXX XXXX XXXX : {$810.00}.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my ongoing frustration and disappointment regarding the unresolved fraudulent items on my credit report. Despite previous attempts to rectify this matter, the fraudulent entries persist, causing significant distress and financial harm. 

As outlined in my previous communications, I have diligently provided all necessary documentation and evidence to support my claims of fraudulent activity on my credit file. However, it appears that these efforts have been in vain, as the fraudulent items continue to tarnish my credit history and reputation. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes appropriate measures to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the steps being taken to address the fraudulent items and a timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX  fraudulent activity with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nj XXXX ( XXXX ) XXXX. I didnt authorize XXXX XXXX salesperson to use my stolen NJ drivers license XXXX and my stolen SSA number XXXX in any contract inside the dealership. XXXX XXXX XXXX had stolen my drivers license in XX/XX/XXXX. I didnt have any physical drivers license in my possession to obtain any car or a job in XXXX. How can I get a car without a driver license? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX is whom I went in person to report XXXX XXXX XXXX to in XXXX. Also FBI XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX was made aware in person in XXXX. They are outside and has this XXXX XXXX wiretapped since XXXX this second XX/XX/XXXX at XXXX XXXX. ( XXXX ) XXXX contact them about XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX or XXXX XXXX police dept XXXX XXXX XXXX or XXXX XXXX, XXXX has this case contact XXXX XXXX XXXX, XXXX XXXX, Nj XXXX ( XXXX ) XXXX. I was told she has my drivers license in her possession since XXXX XXXX XX/XX/XXXX, per the FBI office XXXX bureau.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion has received requests from me to remove inaccurate info on my credit report. This information includes false addresses as well as accounts Ive never had an association with. This leads to them asking security questions which I can not answer because they are not related to me or my credit history. I was a victim of XXXX data breach and am sure this is where fraudulent activity occurred on my report. I called to have some inaccuracies removed and they agreed. Well, the inaccurate info still remains. In the process of validating my personal information, they ask questions that I cant answer because, once again, I have no connection to this false information. I have now been locked out of the site. I am a XXXX person on Social Security XXXX and because of their inability or incompetence to fix incorrect information, I can not receive a service I require. My file has been frozen and a temporary fraud alert placed on all three credit bureaus because of XXXX breach. I have never had issues with XXXX and XXXX reporting false info. Transunion is the only bureau showing this inaccurate and false info on my report. After multiple attempts to get them to correct these issues, they still remain. I will be filing legal action and will be sending a demand letter to them if I do not get a satisfactory resolution to this problem this time. I filed a complaint with XXXX and the company didnt offer a satisfactory resolution through them. They need to correct the issues immediately! Theyve played around long enough. I was a victim of XXXX data breach and dont need to be re-victimized by Transunions incompetence. My name is XXXX XXXX XXXX and phone number is XXXX. Email is XXXX Thank you.
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

Company is responding with automated cookie-cutter responses ( see below ) with a demand to call. However, when calling, the Representatives pretend not to know why I am calling. This company was supposed to move my 3rd month payment to the end of my contract upon me calling per my dealership where vehicle was purchased. Suddenly late fees started showing up on my account in which I made over 10 calls trying to understand the reasons behind the late fees -- previously requested ; however, as you can see below this company is avoiding providing IN WRITING justification for the fees and has still yet to send in writing : 1 ) A ledger showing the dates and amounts of fees that now total more than {$160.00} 2 ) An UNKNOWN LATE FEE amount that was POSTED SEPARATELY on their ledge as PAST DUE but did not DETAIL for what which did not MATCH the regular payment amount plus was NOT included in the 'Late Fee ' total ( see previous complaint and screenshots below of the cookie-cutter responses from this company )! 
3 ) What other measures do I need to take to receive fair and Good Faith Effort information from this company? There are many many many complaints against Ally -- why are they still allowed to operate in the industry where they can DEMAND EXTRA MONEY WHEN THEY WANT WITHOUT EXPLAINING AND JUSTIFYING THE REASON FOR IT -- IN WRITING. This will and can not be resolved with a phone call. I would like written information DOCUMENTED regarding my concerns. I also want my credit report corrected to remove the false entries of LATE PAYMENT.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-09
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. (WA)

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I've complained several times and get auto verified by there systems every time
Consumer complaint received 2023-01-20
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. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-20
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. (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. 

XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

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.