davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (NC)

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 items 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 ITEMS. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I made a cash advance transaction at XXXX XXXX in California in the amount {$2300.00}. Bank of America charged me a CASH EQUIVALENT - TRANSACTION FEE OF {$120.00} on top of the fee that the hotel already charge me. This caught me by surprise because Bank of America never listed this cash advance fee in their monthly statement sent to me. When I called them, the supervisor said that it was on my disclosure which was not even listed in all of the documents that i can look up in my online account. Bank of America has not done their due diligent of being transparent to the customers about their fee. They need to be put on notice.
Consumer complaint received 2023-02-28
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. (GA)

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

EquiFax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2024-01-31
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. (CA)

The TransUnion along with XXXX have been denying me about all these inquiries on my account. I have given police reports and identity theft reports stating that these inquiries were not mine. Im tired of it. They all need to be removed at once!!! According to 15 USC 1681b I DID NOT GIVE ANY PERMISSION FOR MY CREDIT TO BE RAN ALONG WITH IT BEING PUBLISHED ON MY CONSUMER REPORT! This is illegal to obtain my credit without my permission and you can be sued for it. So TransUnion and XXXX need to remove these inquiries. Its a ridiculous amount of inquiries which is crazy and some are one day after the other. Like seriously youre not going to get an approval if you didnt get one the day before. Im tired of fighting especially when I have said it isnt mine its fraud given police reports and so forth. Remove at once.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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
Consumer complaint received 2023-02-28
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I opened the disputes for wrong merchandise received on XX/XX/XXXX for XXXX $ from XXXX XXXX XXXX  XXXX XXXX. The merchant wouldnt come to get his products ( XXXX rolls of artificial turf ) and wouldnt issue a refund. 
Not only the Citi bank dragged the case into the XXXX, it sounds like they didnt read any of the proofs and docs i submitted to them. All they went with is the merchants response denying the charge. Case closed, investigation complete on XX/XX/XXXX! Unbelievable! They refuse to reopen the case and deny my appeal and I know I have a right to do that! 
Citi bank is the worst bank I ever dealt with, wish these charges were made with XXXX.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

Respected I am XXXX XXXX, I received a letter dated XX/XX/2023 from you as Dept Collector report about Synchrony Bank PayPal Credit Card Amount, Total Amount of the Dept > XXXX Reference no >XXXX Sir i am saying to you that i have cleared total amount in previous days i have no more amount to given to bank so consider my case and kindly solve and closed my headache.I shall be very thankful of you.Thanks a lot sir. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX
Consumer complaint received 2023-05-22
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: AMERICAN EXPRESS COMPANY (MD)

I have 4 late charges on my credit report that the company promised wouldnt happen when I was on a Covid Relief payment when I lost my job. Ive havent missed a payment since. Please remove all late payments from my credit report which is inaccurate. Thanks
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of 1. My Full Legal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I recieved a letter on XX/XX/2023 that Chase Bank is closing all my accounts with them. My checking account, my savings account, my CD account, and my credit card stating due to unexpected activity. I am in the middle of planning my wedding. The difference in my account activity is that my expenses are temporarily higher at the moment. I have never overdrawn any of my accounts. I do not make any international transactions. My bills are always paid on time. I have a credit score of XXXX as per Chase. I asked bankers at Chase to go through my account to see if they identified anything troubling with my accounts. They noticed no red flags of any kind that they could see. I requested my XXXX report and my early warnings report to see if I was possibly a victim of fraud and anything erroneous was listed. Both reports were clean. The agent from XXXXXXXX XXXX went through my report and could not identify any reason for Chase to close my accounts. I am a XXXX XXXX XXXX  who has always been financially responsible. I don't have any loans, or any outstanding balances. I would understand Chase freezing my accounts if they suspected fraudulent activity due to the increased activity. Infact I would prefer that. But Chase made no contact with me and simply sent me a letter with their final decision. I offered to provide receipts and invoices for any transaction they had a question about, including two cash withdrawals but they stated nothing could be done. Weddings require deposits to multiple vendors. What should be an exciting time for me, Chase has caused me added stress despite being a long term reliable customer. It is frustrating being punished when you have always done everything right and to not even be given a chance to defend yourself. I understand a bank has the right to end a relationship with a client. However I do not fit in any of the reasons why one might. Chase has been my primary bank since my first job and my expenses are in full transparency since my primary credit card is also with Chase. It is frustrating as a consumer to not have any explanation.
Consumer complaint received 2023-03-06
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Collection Account {$170.00} Account # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$0.00} Opened XX/XX/XXXX Closed, 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
Consumer complaint received 2023-02-28
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. (IL)

The following accounts are being reported on my credit and are incorrect and not accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$75.00}
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I was not aware of and I did NOT give my consent or authorization to report to ANY third party. 

Reported Items that need to be deleted : XXXX XXXX XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX  ( closed account ) XXXX XXXX, XXXX reported XXXX  XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX ( charged off account ) XXXX XXXX, XXXX reported XXXX XXXX  XXXX ( closed account ) XXXX XXXX, XXXX XXXX  XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX ( incorrect balance, account in dispute with creditor ) XXXX XXXX, XXXX reported XXXX XXXX XXXX  XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX ( closed account ) XXXX XXXX, XXXX XXXX XXXX  ( closed account ) XX/XX/XXXX reported XXXX XXXX XXXX XXXX XXXX closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX XXXX closed account ) XXXX XXXX, XXXX reported Inquiries that were not consented to : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did NOT give my consent for ANY of the above listed companies to report ANY of my personal and private information with the credit reporting agencies. This needs to be deleted immediately.
Consumer complaint received 2024-02-06
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. (IL)

I am writing to request the method of verification for dispute initiated on ( XX/XX/2024 ) and the subsequent response received. 

RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please send the following information used to verify of XXXXXXXX XXXX XXXX XXXX  debt XXXX. 

XXXX : The name of the original creditor XXXX : The creditors address and telephone number XXXX : The persons name they verified the dispute with XXXX : The documentation used to verify the dispute XXXX : any signature verifying the debt claiming to belong to me In accordance with FCRA, Section 611. I am requesting this information to review completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlying the steps that will occur to receive this matter. If I do not receive a response I will have no choice but to excise my right under FCRA. Section 616. And pursue legal action.
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (AZ)

! st Financial Investment Fund is  trying to collect a debt in the amount of {$2900.00} but have ignored my letters requesting proof of the ownership of the account. I have written them letters requesting they send me this documentation several times but my attempts have been ignored, and I get letters stating I owe the debt but they have never proven the debt is mine despite the attempts. I have nothing in my files that would indicate the debt is mine and i ca n't get this company to provide proof of the debt. How many times does a person need to request proof of the debt from these third party collections before something gets done about them? I feel all my efforts were for nothing because that 's what I got from them.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-26
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 MAKING THIS COMPLAINT FOR MYSELF. THERE IS NO THIRD PARTY INVOLVED. 
my name is XXXX XXXX and i am a victim of identity theft. 
My consumers report has all of these fraud inquiries and addresses. 

Below i have attached my id, ssn, ftc report, and proof of address. 
Remove all of these fraudulent inquiries and addresses that dont belong to me. 
I have also mailed the bureas a copy of these documents as well. 


UNAUTHORIZED INQUIRY : 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 2016-10-28
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Riverwalk Financial Corporation (TX)

Deville Asst Management this company did not send me a letter or bill, they fail to notify me. The only way I found out this debt is thru my credit report. And the information they have on XXXX XXXX is inaccurate.
Consumer complaint received 2017-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (GA)

Received letter from allied interstate on  X/XX/17    for debt of $  XXXX  I  've disputed this debt several years ago.Did n't receive any response until the above referenced date.Never heard of    XXXX   XXXX    or  XXXX .
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX professed on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and preconditioned achieved lawful Permissible Purpose, and or is not factually true obedient as it is currently reported. Please DISLODGE from reporting right away! 

XXXX XXXX XXXX alleged on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting immediately! 

XXXX XXXX XXXX stated on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and responsibility achieved lawful Permissible Purpose, and or is not testimonial adherent as it is currently reported. Please REMOVE from reporting immediately! 

XXXX questionable on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and burden to achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting at once! 

XXXX XXXX XXXX leery on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not factually true compliant as it is currently reported. Please REMOVE from reporting immediately!
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

On  XXXX   XXXX , I discovered  XXXX   (   XXXX   )  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX