davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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. (FL)

On XX/XX/2022 I submitted a complaint regarding Experian, XXXX, and XXXX, all in which I stated : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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. I also stated to delete those accounts off my credit report.
Consumer complaint received 2022-03-21
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: Consolidated Information Services Solutions, LLC (FL)

UNIVERSAL CREDIT SERVI
Inquiry date: XX/XX/XXXX
non existing account. 
 XXXX XXXX  XXXX  Inquiry date: XX/XX/XXXX
non existing account
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2018-07-16
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. (MO)

The 3 credit reporting agencies are continuing to report these accounts as accurate but they not. I have no knowledge of these accounts and asking that they be blocked from my report. And/ or I'm asking for PHYSICAL documentation of these accounts, XXXX XXXX for {$52.00}, {$56.00}, {$52.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts below : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Data and Contact Management Solutions, LLC (NY)

XXXXXXXX XXXXXXXX  was notified in writing that my mother had passed and included was a copy of her death certificate and a copy of the death certificate was also hand delivered to the local branch where my mom also had a checking account. XXXXXXXX XXXX continued sending threatening letters to a dead person adding additional finance charges, late fees etc. Then XXXX XXXX turned over the debt to DCM Collection Services. Upon receiving the notice from DCM, I responded that the amount they were trying to collect was incorrect and there was no monies remaining in the estate ( at the time there was none, recently I was made aware that additional monies will be coming to the estate ). DCM sent another letter address to me with a notarized document giving the appearance that the document came from XXXX XXXX Court of the State of New York - XXXX XXXX. This is a fake document as this is out of XXXX XXXX 's jurisdiction ; my mom died in XXXX XXXX. Additionally, I called XXXX XXXX - XXXX XXXX and the representative I spoke to confirmed the file number DCM referred to was not from XXXX XXXX, their numbers don't start like the numbers provided and the representative informed me that XXXX XXXX XXXX would not send anything out on behalf of a collection agency.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2024, I certified mailed documents to Experian, XXXX, and XXXX credit reporting agencies. Included were my copies of my driver 's license, social security card, utility bill ( as proof of residence ), a notarized affidavit stating what happened, a police report, a three ( 3 ) bureau credit report, and a copy of FCRA section 605B. Section 605B requires the above mentioned agencies, to remove the fraudulent items from my credit report within four ( 4 ) business days. 
The documents were received on XX/XX/2024. 

Experian received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

As of the submitting of this complaint, Experian, XXXX nor XXXX has removed the fraudulent items from my credit report.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts below : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have requested that Experian to delete this inaccurate address from my records, but they consistently offer the same reasoning, which is no longer acceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023
Consumer complaint received 2022-05-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I had multiple applications for credit cards submitted through Bank of America. The first application resulted in a credit card arriving at my house, that I did not apply for. After reporting to the credit bureau 's, I received another notice of another application that was attempted to be opened in my name also with Bank of America. I called the BofA Fraud department and reported both of those applications as fraudulent and requested a copy of the application and account that was opened using my personal information. After providing the woman on the phone with the case reference #, she then read back to my the rest of my personal information ( DOB and last 4 of Social ) and transferred me to another department to deal with the previously opened account. After speaking at length with another woman on the phone, I was told that BofA does not provide those documents. I asked again and said that based on my understanding they were required to, I was again told under no circumstances would BofA be providing me with the documents that I requested and that I had no further recourse to obtain the documents requested. I then asked to speak to a supervisor, and was transferred to a dead air line that I left open for 45 minutes I did speak a gentlemen by the name of XXXX who did put in a request for me after asking some follow up questions.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC. (MD)

I have an account with Ally Bank and received a notification on XXXX regarding a negative balance. I reviewed the account and saw that there were charges to XXXX in the amount of {$27.00}. These charges were paid around the XXXX of each month. I did not authorized these charges. I try calling Ally Bank ( XXXX ) on XX/XX/22 but the wait time is longer than one hour which do not allow me to be on due to my work. I did call their fraud hotline ( XXXX ) and submit a claim which will probably take sometime for them to resolved.
Consumer complaint received 2022-03-25
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Account # XXXX 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 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NH)

I applied for the citi thank you premier card on XX/XX/XXXX. I received the card in the mail and activated it, but within a week a fraud hold was placed on the account and the card was locked ( but not closed -- just made unusable ). I did not even have an opportunity to use the card for a single purchase before this hold was placed on the account. I called the number on the back of the card, and was transferred to the XXXX XXXX XXXX department, and they informed me that they needed me to fill out an identity verification form and return it so that the hold could be removed. I received the form in the mail, filled it out, returned ALL pages and a copy of my social security card, and waited. I regularly checked my account but understood that the documents may take a little time to process, but after ample time, the hold still was not removed. I called again and was informed that they received my documents but did not receive the " second page '' ( the second page refers to pg. 2 of the identity verification form, it is nearly blank form that has a few sentences on it that are continued from the first page, but there is no information for me to fill out on pg 2 ). I said " ok '', and they said they would send another form and to send it back. I did so, being 100 % certain that all pages were included and sent it in again with my social security card copy. I waited and the account remained locked. I called in, and again they said they had not received all pages. I told them that I was certain I sent everything in. They requested I send everything in again. I completed this process a total of 3 or 4 times over the course of 4 months, and it still remains unresolved. Today ( XX/XX/XXXX ) I called citi, was transferred again to XXXX XXXX XXXX, they are again requesting that I send in the form and documents. I asked to speak to a supervisor, who said they cant do anything with the account until the forms are received. I requested to close the account, and they said they are not able to. This is absolutely ridiculous. I am stuck in some kind of vicious cycle with Citi, my account is incapable of being closed, my sensitive personal documents have been lost, mishandled, disappeared or some combination of all those things. They refuse to let me talk to someone who can even close an account that I wish to no longer have open and the only option I am given is to keep sending my personal info ( including copy of social security card ) to this department that has shown it can not handle the information and can not resolve the issue. 

Not only am I worried about this particular account, but I am concerned about my personal and confidential identity information being compromised, because the sensitive documents I have sent in multiple times have been so severely mishandled.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

My Debit card information was stolen and I had my bank account information and other accounts such as cashapp stolen. I filed a claim with Chase bank for multiple transactions. They denied one of my claims leaving me without XXXX XXXX They now have another claim for over XXXX $ and refuse to issue me provisional credit while they due their investigation. This is leaving my family and I without money for days now due to chase bank not caring for their customers. Very upsetting.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (TX)

Delete late payments from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under XXXX XXXX XXXX - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. XXXX ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section XXXX of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of identity fraud XXXX. Fair debt collection practices act XXXX XXXX violations XXXX. Fair reporting act XXXX XXXX violations for willful noncompliance XXXX Civil liability for willful noncompliance XXXX XXXX Best Regards, XXXX XXXX
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC. (DE)

My checking account was overdrawn without my knowledge. The bank called my ex-husband and informed him. 
On XXXX, my ex husband was allowed to close the account without my knowledge and there for forfeiting the ability to recover over draft fees. 
When I discovered the closure I called, waited on hold for an extended period of time just to talk to someone who could not help. When I was transferred I was hung up on. 
I called back, waited on hold for over 10 minutes, again to speak to someone who was unable to help. I was then transferred to a supervisor, then a manager, who told me it would be investigate. 
After being on the phone for over 2 hours, I was continually told there was nothing that could be done to help me. I was interrupted when trying to talk multiple times. Told there was no one hire up to speak too. 

This is a dispute over {$50.00}, that's grocery money for me. I did not authorize the account closure, and I did not receive help fixing the issue.
Consumer complaint received 2022-10-27
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. (NC)

This is my 2nd 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. 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. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a free credit report from TransUnion. It states I have accounts with " XXXX XXXX '' and " XXXX XXXX ''. I called TransUnion to dispute these. I talked with " XXXX '' at XXXX ''. He told me there is no listing on my TransUnion credit report that states I have accounts with these companies, however, that is not what my report states ( that I just printed out before calling TransUnion XXXX. What can I do if my report states something the Credit Bureau states it does not contain?