davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. 
There is a serious issue of possible fraud, I am not associated with these following addresses please delete. XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM 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 COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XXXX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc (WV)

I have been trying to open this account with Venmo for a couple of months I have contacted them. 
Someone stole my identity and is using it to have acct. 
I tried to get them to close it down. 
Or remove my info because I want to open one but can't because someone else is using my phone number. 

Nothing was done after 2 hour 's on the phone. 
2 months of trying to get them to fix the problem and it still isnt
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX/XXXX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX5 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2019-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (KY)

PNC Bank improperly removed XXXX  from my account to pay a mortgage payment that was not due. I have done automatic bi-monthly payments on the due date and have been 1/2 payment ahead for almost 5 years.  Although I know its a glitch in their system, they have refused to reverse the payment prior to an investigation even though they are well aware that my regular payment has already been made. I have never missed a payment and this change to their procedure on my account was unnecessary.  Since they will not immediately return the money that was not due them, I think from a legal standpoint, they have converted my money and have committed theft. They have now advised that the funds will be returned to my checking account in 5-7 business days.  I am questioning the method on how this is being handled.  If this was a third party fraud, the funds would have been conditionally returned to my account immediately.  Since it was PNC who committed the fraud, it make no sense that they are keeping the funds pending their own investigation. PNC is well aware that no payments are due.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I called Sears customer service line at XXXX, I needed to get my balance so the representative asked for my social security number I replied by saying that's strange normally if they ask it's usually the last four digits only but this person asked for the full number after I gave it to her she hung up. I called back told the new rep. what happened on my previous call and she said we don't ask for your full social security number are you sure you dialed the right number?, I said yes thr rep. acted confused so I asked for a Supervisor the rep. stated she would do her best to get someone to call me back but I remain very concerned because she asked if I had made a purchase and I have not today, when I asked if she saw a purchase she would not answer.XXXX XX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I attempted to dispute these online via the application using Experian, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX XXXXXXXX, or XXXX  to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since XXXX therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with 34 CFR Part 99 and the Privacy Act of 1974, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are 5 total entries totaling {$24000.00}. XXXX, Experian, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM 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 COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

Citibank closed my checking account on XX/XX/ for no reason and I had {$2400.00} in the account. Citibank has not sent me a check for the amount and has not told me why the account was closed.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX- ( XXXX )
Consumer complaint received 2022-03-28
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)

I opened a secured credit card with XXXX XXXX XXXX on XX/XX/2021 with an initial deposit of {$200.00} On XX/XX/2021 the account was closed with a balance of {$30.00}. I spoke to a representative on the phone to use the deposit to pay the remaining {$30.00} and refund me {$170.00}. I never got the check! The amount was never applied to the balance! It has continued since XXXX to accumulate interest and fees and report negatively on my credit report. They have it listed as delinquent and unpaid when the only ones who are delinquent and havent paid is them. They have had {$200.00} of mine for the deposit this whole time that they never returned to me! So this account should be paid and full and should of been in XXXX when I asked it to be. I have disputed the information on my credit reports and provided the same information to XXXX, XXXX and experian and they verify it as accurate when its not
Consumer complaint received 2021-08-27
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: CITIBANK, N.A. (PA)

XX/XX/2016 I purchased a {$1700.00} laptop from Best Buy with computer, XXXX security plan and XXXX XXXX totaling {$2000.00}. I had the laptop for 5 days to a week and the laptop went completely black and wouldn't turn back on. I took it to the XXXX center in Best Buy and they kept it for a week to get it fixed. When I got it back in my possession within 3-5 days I was having the same problem that they were supposed to have fixed. I took the computer back requesting my money back. They said, I was past the 15 day return period. They had the laptop in their possession 90 % of this period. They said, that isn't possible however they would credit me {$2000.00} for the laptop, computer bag, XXXX security plan and XXXX XXXX. I agreed to credit. I asked them if I was free of any charges and they said yes. 
I made total of 6 payments. My last payment was XX/XX/2016. I called Best Buy on several occasions and they kept giving me runaround. After several calls to the company I finally got someone to resolve the issue and that's when I found out the associate never credited my account. Instead he gave me a gift card in the amount of {$2000.00}. I told them I wasn't paying another dime for something I don't own. I had no product in my possession. I used the gift card one time with a purchase of {$690.00}. And after that I missed place the gift card due to moving. When I contacted the company about replacing it they denied me. I received a letter from a 3rd party collection agency requesting me to pay the company. I requested for a payoff just to get it off of my credit report. They recommended that I contact the company. I did and couldn't get a live person to speak with. So, here I am. Best Buy agreed to a pay off in the amount of {$1600.00} something to settle it. And now it states on my XXXX  credit report as a Charge off. {$2700.00} written off. This is a false statement. I have a letter from the 3rd party agency showing Best Buy agreeing to the settlement.
Consumer complaint received 2022-07-06
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (IL)

I was sick in the XXXX  with XXXX  for 2 months and immediately upon discharge I contacted Chase and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX  with XXXX  that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. XXXX DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified
Consumer complaint received 2022-03-28
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. (CO)

I opened a secured credit card with XXXX XXXX XXXX on XX/XX/2021 with an initial deposit of {$200.00} On XX/XX/2021 the account was closed with a balance of {$30.00}. I spoke to a representative on the phone to use the deposit to pay the remaining {$30.00} and refund me {$170.00}. I never got the check! The amount was never applied to the balance! It has continued since XXXX to accumulate interest and fees and report negatively on my credit report. They have it listed as delinquent and unpaid when the only ones who are delinquent and havent paid is them. They have had {$200.00} of mine for the deposit this whole time that they never returned to me! So this account should be paid and full and should of been in XXXX when I asked it to be. I have disputed the information on my credit reports and provided the same information to transunion, XXXX and XXXX and they verify it as accurate when its not
Consumer complaint received 2023-06-04
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: SYNCHRONY FINANCIAL (NJ)

I received a notification for 2 Hard Inquiries that are dated to XX/XX/23. One is SYNCB/Amazon and the other is XXXX XXXX. Neither Hard Inquiry was authorized by me.
Consumer complaint received 2021-12-15
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. (PA)

Hello, my name is XXXX XXXX and 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 from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible. 
Account name- XXXX Account name- XXXX XXXX XXXX  Account name XXXX XXXX
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX # XXXX is reporting lates that should not be on my account. The lates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. I have my account on auto payment and there is no reason for these lates to exist.
Consumer complaint received 2019-08-06
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. (CA)

XXXX XXXX Dealer SVC # XXXX is reporting lates that should not be on my account. The lates are XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. I have my account on auto payment and there is no reason for these lates to exist.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I originally filled my complaint XX/XX/XXXX. Still no response I filled a police report on the matter and gave bank of America the information on that matter. They still haven't given me a answer or provisional credits I've been kicked out due to not being able to pay my rent. I called and one of em filled a whole other claim starting my waiting period over still no luck Everytime I call I get the run around on the issue please I just want what was mine you guys can clearly see those transfer made is to a bank account that's not in my name can I get a lil compassion while you guys are investigating it's been 2months already still not a answer on the topic.
Consumer complaint received 2021-12-15
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. (PA)

Hello, my name is XXXX XXXX and 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 from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible. 
Account name- XXXX Account name- XXXX XXXX XXXX  Account name XXXX XXXX
Consumer complaint received 2019-08-06
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. (CA)

XXXX XXXX Dealer SVC # XXXX is reporting lates that should not be on my account. The lates are XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. I have my account on auto payment and there is no reason for these lates to exist.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.