davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (VA)

On XX/XX/XXXX I sent a dispute to TransUnion requesting a reinvestigation AND Method of Verification about the following account XXXX XXXX XXXX XXXX dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ) .TransUnion just sent me automated reply without providing proof of " Method of Verification ''. I have requested TransUnion method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX and the inquiry stated below is unfamiliar to me. Therefore, the furnisher was unauthorized to pull my credit report. 
Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. 
XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2024-03-21
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: World Acceptance Corporation (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX  Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6.WORLD ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Someone opened up a Citibank account in my name and Citibank is not trying to close out Ive been to the FTC are ready I keep this beauty made and they are not trying to remove it
Consumer complaint received 2020-07-27
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. (FL)

I am a victim of identity theft this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report is fraud
Consumer complaint received 2020-07-27
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: Equidata, Inc. (FL)

I am a victim of identity theft this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report is fraud
Consumer complaint received 2023-10-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (NV)

Account with XXXX consumer credit opened XX/XX/XXXX, of which XXXX of XXXX term payments were made and reported to all three credit bureaus. XXXX never adjust on credit report. XX/XX/XXXX the vehicle was repod and sold for XXXX XXXX XXXX XXXX for {$500.00}. Then XXXX reported ( Falsely ) a payment was made of XXXX in XX/XX/XXXX by me to extend the collection life of the account then sold it to XXXX XXXX. Who made a hard inquiry on my credit by posing as a creditor.. all three credit bureaus and provided false information in an attempt to mislead and misinform the credit bureaus. 

I have all proof of payments wilshire will not provided any statements and the credit bureaus XXXX XXXX, XXXX and XXXX will not update my account accurately. I would like it removed. I have disputess this and they all refuse to investigate it properly. How is possible to make XXXX of XXXX payments and still have same balance as the beginning The only company I have done business with is wilshire consumer credit. No other contracts. 

Uploaded screen shots of all 3 credit bureaus different info.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2024 I filed a claim with citizens bank in the amount of XXXXXXXX XXXX I was told that it takes XXXX business days to investigate and if the issue is not resolved than I am supposed to receive temporary credits. 

My card was used at XXXX different atms Ive asked citizens bank to check the cameras and I also submitted a police report to support my claim It has been XXXX business days and I have not received any type of credit or response from the back office No ones is letting me know what is going on with the claim and my temporary credit request was denied this is unlawful My claim is XXXX
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I noticed fraudulent charges on my credit card account in the total amount of {$1400.00}, including 5 charges from XXXX ; {$270.00}, {$65.00}, {$320.00}, {$320.00}, {$430.00}. I immediately notified Bank of America ( BoA ) over the phone regarding those fraudulent charges. 
On XX/XX/XXXX, BoA sent a letter saying that the fraud claim was not approved because " we confirmed the merchandise was shipped or service ( s ) was provided to an address listed on your account ''. However, nor only did I nor any of my family member not make any purchases from XXXX, but also we did not receive any merchandise nor service ( s ). There was no information nor evidence provided that proves those were our charges. 
On XX/XX/XXXX, I made a call to the BoA dispute department and asked to reopen the investigation and send us any information and evidence pertaining to these fraud charges. However, they never send any further information. 
On XX/XX/XXXX, I mailed ( registered mail ) a letter to BoA asking to re-investigate and provide more detailed information on those charges. 
On XX/XX/XXXX, I received another letter from BoA ( dated XX/XX/XXXX ) saying that " our decision to decline your fraud claim for this transaction ( s ) hasn't changed ''. However, there was no further information such as the name of the person who made the purchases, email address, phone number, IP address in which those charges were made, and the proof that those merchandises or service ( s ) were received at our address, etc. 
As of XX/XX/XXXX, I have not heard nor received any correspondence from BoA regarding this matter.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

All students loans accounts were consolidated as one, and still to this date is showing multiple accounts ( 16 accounts ) as open delinquent with no balance on them. I reached out ( called ) Experian to confirm why those accounts would still showed all like that and they told me to send mail evidence. Last month ( XXXX ) I send a letter to XXXX XXXX directly to inform the discrepancies and they just send a letter confirming there were no pending balance, but have not done anything else.
Consumer complaint received 2021-02-12
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)

I was never late on the following accounts : XXXX  XXXX XXXX  XXXX  # XXXX XXXX  XXXX XXXX XXXX  # XXXX Please provide method of verification with physical proof. As I was never late on these accounts.
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (TX)

FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} DEPT OF EDUCATION/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  XXXX {$710.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX, XXXX  XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX BY PHONE DBA CHECK INTO C XXXX {$490.00}
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I previously sent a complaint with wrong information. I stated my chapter XXXX bankruptcy was discharged, actually it was Chapter XXXX that I filed and it was confirmed on XX/XX/2018. The discharge paperwork was sent through XXXX XXXX Circuit Court. I was informed that my credit profile would be updated. I'm XXXX, low income and needed to file.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (MS)

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a late payment on my XXXX XXXX home mortgage that was reported in XX/XX/2020 and was recorded XXXX by the other two credit bureaus. Transunion has this late recorded as XXXX creating the appearance of multiple months where payments were late/missed when it was only 1 occurrence.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have negative information from the credit reporting agency XXXX. I have disputed this Portfolio Recovery Associates account # XXXX since XXXX XXXX. I have sent them a copy of their letter with the payoff showing XXXX balance.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

1 ) Chase Bank is arbitrarily picking and choosing selected transactions to put in dispute with merchants instead of reviewing, analyzing and working to resolve the SPECIFIC transactions that I, the Customer, has identified. What gives them the right to arbitrarily contact merchants tied to my account? 2 ) Chase sent me a rude letter stated we agreed on things that we didn't and basically their doing their own thing, case closed.
Consumer complaint received 2022-02-17
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. (MS)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-02
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: AUTOMOTIVE CREDIT CORPORATION (MI)

There was fraudulent auto loan taken out in my name. It was taken out with Automotive Credit Corp on  XX/XX/2013, in the amount of {$11000.00}, and is reflecting a balance of {$7500.00}. It has been reporting on my credit report and I have no knowledge of this account. I would like this to please be taken off my credit report. I have contacted the company with dispute letters as well.
Consumer complaint received 2022-08-26
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. (FL)

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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the XXXX XXXX XXXX ( XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (VA)

I used to have a {$15000.00} credit limit with Citibank, but this week they lowered my credit limit to {$4500.00}, because their XXXX  division states that I have too much debt. I make my payments to XXXX, I still have a job, I haven't asked for any assistance or forbearance, but they STILL lowered my credit limit over XXXX! This should be illegal.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KY)

The debt from Jefferson Capital has been disputed numerous times and removed numerous times. The erroneous information is reapplied to my credit every couple of months and I have to redo the dispute all over again with each of the bureaus they report to. I have 100 % on time payments on my credit for XXXX years now. I am unable to ascertain more information about this account from Jefferson Systems and the original creditor is XXXX, which no longer exists and can not aid in a remedy. I have never been a XXXX customer. During a previous employment of a XXXX affiliate I had a corporate account that should not be associated with my name nor my credit. Previous disputes were removed due to the findings of any account in my name were opened fraudulently.
Consumer complaint received 2018-05-02
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. (CA)

I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX   XXXX  is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you.

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-02
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)

I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (IL)

Please see the attached letter for all information and how I would like to continue. 

This serves as notice of subrogation to CarMax Auto Finance, as they have violated our agreement and given false representations/warrants, I now am asserting my XXXX GIVEN RIGHTS.