davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Case XXXX XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from Texas and California XXXXXXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


Experian Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, www.experian.com/XXXX or by calling XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-01
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. (TX)

XXXX XXXX XXXX Case XXXX XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


XXXX Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, XXXX  or by calling XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Made a purchase on XXXX XX/XX/22 through a third party for {$790.00}. Item arrived defective. Merchant was extremely reluctant to resolve. They offered a {$50.00} refund for me to replace the throttle. 

Mechanic confirmed the electrical wiring was backwards on product. 

Merchant refused to send mailing label until I disputed the transaction with the bank, now they refuse to send a proper box Bank reversed the dispute without my knowledge over a month later. Called USAA twice and the dispute was reopened and closed on XX/XX/22 ; allowing no time to provide the requested documents. 
CSR XXXX apprised me she reopens it and to upload the requested XXXX, after being disconnected by 3 CSRs prior.

Requested a supervisor and was consistently denied, in all departments; limiting customers to representatives only with little to no XXXX and providing inaccurate intel. 

They lack compassion and any care for their veterans and our disputes. 

This dispute is being purposely prolonged. 

USAA correspondence regarding disputes is not simply designed for customers. 

Please help.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the XXXX XXXX XXXX sent me ( XXXX XXXX ) my money back, {$2500.00} and {$1000.00} via XXXX. 

At first he tried to send {$4000.00} but the bank has a cap allowing to send up to {$3500.00} a week using XXXX. 
Few days after he recalled the money claiming it was fraud and providing fraudulent documentation from XXXX. 

I provided the bank with straight forward evidence showing the XXXX conversation between myself and XXXX XXXX. In the texts XXXX is having multiple attempts and is insists on sending me the money ( {$3500.00} ) with success. 

These evidence are as clear as it gets. 
Moreover, when speaking with the Bofa representative she confirmed that they know XXXX XXXX did send the money, she explained that bofa has IT solutions that helps them track the transactions and the person initiating them. 
And these systems detracted it was preformed by XXXX. 

XXXX XXXX and his brother XXXX XXXX are known are under an open investigation by the FBI and SEC. They have stolen money from families, friends and loved ones. 
XXXX XXXX is the FBI agent that is working on their case and is happy to confirm my narrative. XXXX ( XXXX ) XXXX I urge the bank to do the right thing and help their long time client, myself to get her stolen money back. 

Please help Thanks, XXXX
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have attempted to resolve this matter and inform the ARS Account Resolution Services this debt is not owed by me and requested strict proof according to the FCPA, Section 609 ( a ) ( 1 ) ( A ). I never received a copy of the contract, agreement or any things with my signature proving this debt belonging to me. I have NOT received services as implied. I strongly believe this debt belongs to someone else and I have expressed this to ARS Account Resolution Services multiple times., this debt is a fraudulent. They continue to ignore my request for proof of debt they have ONLY sent me a copy of their invoice but have failed to provide strict proof of the debt as demanded numerous times.
Consumer complaint received 2022-01-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi Bank Of America, This is specifically for BANK OF AMERICA # XXXX with fraud account with Charge-off Balance : {$1100.00}. I've attempted several times to remove this account from the XXXX credit report because i never opened this account nor did i use {$1100.00} on it. The other credit bureaus have removed this account but your company failed to remove it. F
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

On Friday XXXX XXXX a banking error occurred with XXXX XXXX  in an attempt to make a {$500.00} cash advance withdrawal with a banker named XXXX XXXX XXXX at XXXX as the transaction was approved by CHIME the bankers computer system crashed. When the banker rebooted her computer system any record of the {$500.00} cash advance was not found in the XXXX computer system, as such customer XXXX XXXX was not dispensed the funds reflected on his CHIME account as being taken from his account in the amount of {$500.00}, the funds were not dispensed by XXXX XXXX. XXXX XXXX  advised customer to file a dispute with CHIME, a letter was provided by XXXX XXXX  showing evidence the {$500.00} was not dispensed in an attempt to have CHIME return the non dispensed funds in the amount of {$500.00} to his account. On XXXX XXXX a dispute with CHIME was opened and the customer received notice XXXX day later on XXXX XXXX his dispute was closed with very little information pertaining to why or what steps were taken by the investigation team at CHIME DISPUTES. XXXX XXXX XXXX believes his consumer rights are being violated as XXXX day to complete a thorough investigation is insufficient time to conduct a complete investigation in violation of their timeline as stated in their policies. Consumer XXXX XXXX believes CHIME is in direct violation of REGULATION E as the information provided to him as to the reason his case was denied and closed was not complete or lacking pertinent information ; no information regarding the investigation or actions taken were provided to the consumer. Consumer could not cancel the transaction as no record of the transaction was found in the XXXX banking system.The only information provided to the consumer were computer generated generic responses as provided along with the complaint. The consumer contacted CHIME dispute to re-open his dispute and it was put in rebuttal stage XXXX, on XXXX XXXX CHIME once again denied the complaint despite the evidence/letter provided by the XXXX XXXX  XXXX as witness that the consumer XXXX XXXX did not XXXX the {$500.00} on XXXX XXXXThe response from the CHIME DISPUTE team was once again a generic computer generated response with very little or insufficient information in regards to why the dispute was denied in violation of Regulation E. CHIME DISPUTE also prompts you to upload any documents to prove the case by sending a computer generated link, however the link is broken and non functional and they send you a message saying your message was UNABLE TO BE DELIVERED, despite message confirming the documents were obtained. CHIME refuses to correct this computer generated error that affects the outcomes of consumer claims in their favor. Consumer XXXX XXXX is filling this complaint as CHIME is in direct violation of consumer rights and Regulation E.
Consumer complaint received 2023-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

UNKNOWN PERSON APLLIED FOR CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XX/XX/XXXX Acct # : XXXX Account name : XXXX BANK XXXX XXXX. Acct # : XXXX Account name : XX/XX/PPC Acct # XXXX XXXX Account name : XX/XX/XXXX XX/XX/XXXX Acct # : XXXX, XXXX, XXXX Account name :XX/XX/CBNAAcct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name XX/XX/XXXX XXXX XXXX Acct # : XXXX Account name :XX/XX/XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX : XXXX -- 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

-- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-02-21
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. (KY)

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 accounts 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 XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXXXXXX Balance : {$64.00} ; 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 2020-02-16
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. (MN)

Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my Trans Union, XXXX and XXXX credit report : XXXX XXXX XXXX, {$8500.00} and XXXX XXXX/XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my Trans Union, XXXX  and XXXX  credit report.
Consumer complaint received 2022-12-19
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. (CA)

I have been having problems with Experian for some reason. They will not update my report. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stunning payment record with this company. I think it is ridiculous that I have to file multiple complaint to get them to update my report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have my account updated ASAP : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

On https : //www.annualcreditreport.com/ it says you can now get a free weekly credit report. I received my free weekly credit report from XXXX and XXXX. But for some reason Equifax will not give me a copy. I tired contacting them multiple ways but still no credit report.
Consumer complaint received 2022-06-01
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: EMCC Holdings, LLC (TX)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Fresh Holdings Inc (OH)

Credit fresh, A line of credit offered by XXXXXXXX XXXX, mailed me a XXXX for {$2000.00}. 

I was requested to give my social security number to have the application processed. I was never Given full disclosure that I did not need to provide my Social Security number to have the application processed. 
15 USC 6803 XXXX asked for full disclosure of what all my social security number is being used for. I was told they cant tell me and it will be mailed to me. 
28 CFR 802.23 ( C ) ( XXXX ) I also did not see either of these disclosures listed in below code on the Preapproval letter or the application or application process. 
16 CFR 4332 Lastly, the preapproval that I was sent because I met the qualifications and criteria to be mailed the preapproval clearly states that this is a firm offer of credit A firm offer is an irrevocable offer to contract under Article XXXX of the Uniform Commercial Code In a sale of goods, if the seller is a merchant under the definition of a merchant in XXXX, and promises in signed writing to keep an offer open, a firm offer is created. 

It states that the offer was made XXXX, XX/XX/XXXX and expires on XXXX XX/XX/year>. 

I am still within the timeframe to accept this irrevocable offer, but I am being denied access to these credits. 

XXXX XXXX In short states if XXXX part of the contract becomes unenforceable, the rest of the contract remains. So this denial does not constitute invalidation of the whole agreement. Therefore, adverse action can not be taken. 


I have reached out multiple times in regards to this and spoken with supervisors and representatives. I have been hung up on and I have been passed to XXXX representative to another to only re-explain myself and be told that they are not privy to the private information that the underwriting uses to deny my application. 

I clearly tell them that the offer I received was a firm offer, and that the adverse action is inappropriate, possibly unlawful and should not be taken.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (TX)

I have disputed online several times regarding multiple credit cards & collection agencies on my credit report for the same lines of credit. I called Experian & spoke with XXXX to escalate the disputes but she refused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX XXXX & both are for the same amount of {$870.00}. 

Two collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX have the same original creditor XXXXXXXX XXXX but two different amounts for the same closed line of credit on my report. XXXX has {$600.00} & XXXX has {$850.00}. 

XXXX XXXX & XXXX XXXX ( Collection Agency ) are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX for the amount of {$1100.00} but the original creditor XXXX XXXX has the amount of {$1000.00}.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (WI)

I disagree with the account listed below which still appears on my consumer report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 95-506, Title Vl, Section A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please send me an updated copy of my consumer report after your reinvestigation.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I have read over all the documents that was sent to me, my middle name is not on the documents they provided a address that never belonged to me and looking over all the paperwork that was sent to me the accounts balance is wrong.. theres three different balances from the beginning of the car loan and you cant have a balance when a account is closed and this account is merged with XXXX XXXX XXXX