davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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)

There is an account being reported on my account stating it opened XX/XX/2021. I do NOT have any recognition of this account. But i was a victim of identity theft during this time frame. Someone stold my wallet and completely gained full access to my personal identifying information such as my california identification card and my social security card and opened this account fradulently online without even going thru any sort idenity verification. process. I do not recall ever having any transactions using this bank. PLEASE REMOVE THIS ACCOUNT IN ITS ENTIRETY FROM ALL 3 CREDIT REPORT AGENCIES> PLEASE REMOVE FROM COLLECTIONS AND CLOSED ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX Credit Card {$800.00} owed.
Consumer complaint received 2023-05-23
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC 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 2023-11-01
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. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my 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 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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because an identity theft. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NM)

I received a notice on XXXX XX/XX/2022 that Chase was closing all 6 of my military business checking accounts. I was told one of the accounts was overdraft and to make a cash deposit to make it current. I made the account current but chase still closed all my accounts. They could not provide me a reason and told me I had a lifetime ban.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX XXXX  : {$260.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$320.00} XXXX XXXX XXXX XXXX XXXX  : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$770.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-21
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. (FL)

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  Account # XXXX XXXX XXXX credit, 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.
Consumer complaint received 2024-03-16
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-02-09
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 2023-02-09
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: Experian Information Solutions Inc. (CA)

There are XXXX accounts being reported thru XXXX XXXX  BANK thru all XXXX credit reporting agencies XXXX EXPERIAN and XXXX. these accounts were open fradulently onine with someone that stold my wallet and stold my personal identifying information that was inside such as my XXXX ID card and my social security card. These accounts have been reported to XXXX POlice Department for further investigation. I do not own these accounts and I would appreciate it if you remove all this debt from my credit reports. It is innaccurate and the information is not my ownership. This is not fair as my identity was never verified prior to the opening of these accounts. PLEASE REMOVE IT FROM CLOSED from all XXXX credit bureaus. This is the information to whom has my idenity information and is reporting this fradulent acconts on my credit report. PLEASE REMOVE THESE PROMPTLY. im willing to do whatever i need to submit to you proof that this does NOT belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA (TN)

On XX/XX/2022, I received a call from a representative at Greensky in response to a letter I sent in XXXX. The case reference number for that letter was XXXX. The representative that called me informed me that I needed to speak with a manager to discuss the settlement offer I made in the letter. 

He gave me a number to call and I spoke with a representative by the name of XXXX. This call was made XX/XX/2022 at approximately XXXX XXXX. c.s.t. The call was recorded, and I do have the audio file. I have attached a copy of the document she emailed me to ensure me she was referencing the correct account. 

XXXX informed me that there was no need for the settlement as this account had a XXXX balance. She verified the account more than once to be sure we were referencing the same account. She sent me an email the next day to confirm that we were in fact speaking about the same account. 

I now see a new account balance of {$47000.00} as well as additional interest charges assessed in the month of XXXX. 

I moved forward in good faith relying on information that was given to me by a member of your management team and now it appears Greensky is reneging on what was reported to me.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/2022 my husband received an email to his XXXX from XXXX saying it was from XXXX and that we were charged {$450.00}. We called the number as I had canceled XXXX a XXXX or XXXX before. Stupidly we did what they said and my husband and I were arguing as my instincts were we werent talking to XXXX. We later find out it was a scam through XXXX and because that is a 3rd party to Bank of America , Bank of America says they did not do anything wrong and closed our fraud complaint. 

Its been hours an days of phone calls still dealing with this. He got XXXX more emails this week, XXXX from XXXX and XXXX from XXXX, and were actually also XXXX accounts. 

We are retired and dont have extra money and lost {$3500.00} total. It was ID theft so that was reported as well as a police report and the FTC. Is there anything else we can possibly do, or who investigates these creeps. Im out of my mind in tears and stressed over all of this. I agree we were stupid, but something needs to be done, please Help! The Bank of America letter and claim no. Are the last upload. 

Also we called Bank of America right away and they recommended no need to close account. We met with them XXXX days later and the gal filed a report as the person should have advised us to freeze our account which we did. We have reorganized all our finances. Yes some good things come out of it, but it is very discouraging theyre targeting older people especially. Its infuriating. It was our old checking account ending in XXXX that was hacked. 

Thank you for your help if there is any possible. XXXX and XXXX XXXX Names on our Bank of America Account XXXX XXXX XXXX XXXX XXXX XXXX Any questions please call me XXXX, XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (TX)

I am victim of Identity theft. After reviewing my credit report, I noticed a charged off account listed by XXXX for {$14000.00} under my credit profile. I reached out the company by calling at XXXX and explain the situation and then Green Sky sent me an email to fill out several affidavits. I filled out all the affidavits and sent it back to the Green Sky but they have failed to respond back to this matter and never reach out to me. I don't own any property or a house and live with a family member in an apartment building. I have never apply any credit account ( s ) or authorize anyone to apply on my behalf. I want Green Sky to remove this derogatory information from my credit profile immediately
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (CA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I Bought a vehicle XX/XX/XXXX from XXXX XXXX XXXX i specifically ask to have gap included in my finance charge when financing the vehicle. The sales agent was like ok we'll add that in there for you and they never did. I recently sent a letter of recession to the dealership on XX/XX/XXXX they claim my claims were baseless. I followed up with letters i haven't heard a response from them or gotten a remedy.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

The no show policy was not honored by XXXX and I disputed the purchase. 
Chase has sided with the XXXX and closed the dispute and charged me full amount. 
According to the terms of purchase ( which I am going to attach see circled content ), no show at the hotel would result in only the first day 's charge. But I was charged for all the days.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (SC)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (LA)

On XX/XX/2021 I received a deposit for a {$2000.00} Plus a deposit for {$1600.00} that's {$3600.00} I was also in the negative for a claim reversal of XXXX claim of XXXX and the same XXXX as explained for my deposit on top was still subtracted out of my balance once my claim credits hit still subtracting XXXX from that that was also found to be a error on Wells Fargo card so I was credited {$2000.00} + {$1600.00} and I only received XXXX they still took out XXXX when I was supposed to only be XXXX dollars negative meaning that the same cell clean I was in a negative that got reversed cuz they made an error was not returned correctly so my account stayed negative and funds was deposited still deducting the XXXX out of my balance for the same claim that was reversed in my favor so I paid the claim twice and they close my account account number XXXX
Consumer complaint received 2023-05-23
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-01
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. (AR)

Despite previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The credit bureaus failed to comply with the Credit Reporting Act, Sections 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With that, I am asking for your help to correct the following late accounts : DEPT OF ED/XXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : {$490.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Opened XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus ( XX/XX/2024 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.