davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (TX)

On XX/XX/2023 I sent certified mail to TransUnion with regards to some inaccuracies found when reviewing my credit report. I received an email back stating items were verified and are accurate. However, see attached letter sent, where I specifically asked for the process in which they validated the said accounts. I also requested it be done by a LIVE person not an automated system or their XXXX XXXX. Clearly they do not have my or any consumers best interest and I would like this to be handled accordingly.
Consumer complaint received 2022-10-29
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. (TX)

Im a victim of identity theft. Someone used my information to medical care at XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting on my credit report that I owe for this fraudulent charge Account number XXXX
Consumer complaint received 2024-03-20
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. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-03-20
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. (CA)

I was a victim of identity theft and someone fraudulently opened a credit card account with XXXX XXXX in my name. Account # XXXX opened in XX/XX/year> 2022
Consumer complaint received 2024-03-21
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-10-15
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. (NY)

***This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** Equifax ======================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX  ***Do not add any fraud alerts to XXXX, Equifax nor XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

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 There is a need to insure that consumers reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy : subject to subsection ( c ) ant consumers reporting agency may furnish a consumer report under following circumstances and no other ( A ) In accordance with the written instructions of the consumers to whom it relates : reporting information with actual knowledge of errors ( A ) 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 With that said I wish to have items remove ASAP
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY ()

There were hard queries on my Credit report in XX/XX/XXXX when someone was trying to open account using my details in multiple banks, On looking at those hard queries I reported to Credit Bureau and informed XXXX XXXX and XXXXXXXX XXXX ( as hard queries from these 2 banks were reflecting on my credit report ). I also got my Credit freeze from Credit Bureau on XX/XX/XXXX. But the American Express opened accounts on the request of fraudster using my details/identity in XX/XX/XXXX which I was totally unaware of. I moved to XXXX in XX/XX/XXXX from XXXX  and never return to XXXX till this year XXXX XXXX. 
I have no clue who opened the account and used the cards, I reported it to American Express last year when I saw an alert on my Credit report and again this year about the fraud account. 
I reported it to XXXX Georgia Police, FBI and FTC a few days back. 
I raised a dispute about the address and this fraud account with Credit Bureau XXXX and they removed the address and one of the Amex accounts also But bank sent me a letter saying someone called American Express impersonating me and asking for Payment arrangements. I dont know who is talking to bank about the payment arrangements impersonating me. I never called American Express for any Payment arrangements request. I never requested or opened any American Express account after I left the country in XX/XX/XXXX. I don't know who opened the account and used the cards issued by American Express against those fraud account. I will not pay for any fraud account opened using my identity after XX/XX/XXXX which were not operated by me.
Consumer complaint received 2023-05-19
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. (TX)

There was a data breach which in fact my personal information was taken and distributed. Which in return accounts were opened without my consent or knowledge as well as inquiries being made. This has made my score go significantly down and caused trauma in my life I can no longer stay in a decent area because of bad credit or purchase a home. I was in the process of purchasing a home and now I have to place this on hold. Ive reached out multiple times to have them remove these accounts and inquiries but they state they have to verify with the lender first and never remove them.
Consumer complaint received 2023-02-27
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. (MI)

In Accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy 15 U.S.C 1681 SECTION 604 A. 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 conviction 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 reporting agency if person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$320.00}
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MI)

I paid my tax bill to my treasury office in my state {$1400.00}. It was took from my account and the was an issue with the check so they sent it back and it has been over a month since and I have yet to get my money back.
Consumer complaint received 2024-03-21
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 am a victim if identity theft. I have already reported this information to the credit bureaus, as well as the FTC. However, the credit bureaus have been ignoring me, and have failed to respond to me at all. It has been nearly 60 days and I know that this is illegal. Please assist me in this matter. The accounts listed in the reports that are attached to this complaint are the result of fraud and were not opened by me, the consumer.
Consumer complaint received 2024-03-21
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. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-25
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STERLING JEWELERS, INC. (CA)

Kay Jewelers is reporting late payments on this account. Kay Jewelers is reporting the last activity on the account as XXXX but the account was closed in XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 602 it states that I have the right to privacy.

Under 15 USC 1681 604 ( A ) ( 2 ) it states that A consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( B ) it states that a creditor shall not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. 

This needs to be corrected to never late on my consumer report and your records or deleted from my consumer report and your records.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (FL)

I requested that BMO Harris N.A. ( the bank ) close my Cash Back Mastercard. They say that they did and issued a letter confirming that it was closed. However I subsequently received a statement for the card and contacted them about receiving a statement after closing the account. The representative told me that the account was still open. This was after the letter was issued. The representative then told me that they could not fix the problem...
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

My partner and I were traveling in XXXX. On XXXX XXXX we were XXXX  and robbed in our Hotel Room. Numerous items were stolen, including my phone, watch, wallet along with credit and debit cards, NYS Drivers License, etc. While XXXX XXXX XXXX of whatever XXXX  they slipped us, they managed to figure out my pin number. We were knocked out asleep for 14 hours from whatever was given to us. Once we came through we woke up very drowsy and noticed the missing items. We called the police and were sent in an ambulance to a nearby hospital. We called all our bank cards to report the stolen items. JP Morgan Chase mentioned that there were debit transactions, I told them they were not authorized. We also filed a police report, which we provided to JP Morgan Chase. I was told the transactions were considered authorized due to the thief using my pin number, even with the proof of a police report.
Consumer complaint received 2017-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital one credit card for balance transfer and spoke with XXXX he informed me that the promotional offer 0 % balance transfer only can be done at XXXX, so after login to my account and try to submit it I notice the offer is 17.99 % with XXXX fee to transfer my XXXX XXXX XXXX XXXX is only 16.99 % so is very stupid to do so, but the question is it seems capital using this scam for none speaking English people ( minority ) that can not read the disclosure, if you use the internet Capital one can claim i signed and read disclosure and offering XXXX fee I never thought about I am XXXX years old and never seen this before and I know is an offer but intend of capital one to do it on the internet and adding the XXXX ( XXXX ) fee is very ambiguous and offering it only to minorities, i know bank has to make money but no fraudulent why not do it both way internet and phone.I hope this complaint stop capital one and do not rip off people, capital one must understand not many people can read and wright English. thanks
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I telephoned Wells Fargo at XXXX at XXXXXXXX XXXX on XX/XX/2023. I spoke to XXXX. I made the following request : My landlord wants copies of my checking account statements. 

The only information I want my landlord to have is the deposits to my checking account and the balance of my checking account on the final day of each month. 

Please provide this documentation in PDF format. 

XXXX refused to honor my request. I asked to speak to XXXX supervisor. Next I spoke to XXXX. 

XXXX refused to honor my request. I stated that if my request was not honored, I would file a complaint with the Consumer Financial Protection Bureau and switch to another bank. XXXX still refused to honor my request. XXXX stated that she would provide me with a complaint reference number. XXXX did not provide a complaint reference number ; she put me on hold and did not return to the telephone. XXXX did not make a follow up telephone call to me.
Consumer complaint received 2023-02-25
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. (NJ)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and infromation in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and infromation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission and I am requesating you to please have the items removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft
Consumer complaint received 2022-10-29
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. (FL)

I am XXXX XXXX submitting this complaint against Transunion LLC and their is no third party involved. 


As of Today, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX  Delete all hard inquires & late payments as well