davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I closed my constant credit line in late 2021 The account is still showing open. I have tried calling but have been unable to reach a resource who can help. Hold times are 30+ minutes. Ive tried going in the XXXX office and they tell me the account is closed and there is no further action needed. However my most recent credit report still shows it as open.
Consumer complaint received 2022-06-22
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. (OH)

I recently noticed that my credit report contained what looks like a car from XXXX XXXX This is not my car, period. I also tried reaching out to XXXX - XXXX, TransUnion and XXXX- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act account XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

: ADVERSE ACTION DATED XX/XX/2021 Recently, I XXXX XXXX XXXX was denied an extension of credit by Bank Of America. On around XX/XX/2021, I applied for Small Business Credit Card. XXXX As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( C ) and you assume civil liability pursuant 15 U.S. Code 1692 ( K ). Bank Of America has violated my federally protected consumer rights : 15 U.S. Code 1642 15 U. S. Code 1681M 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Bank Of America should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/22 in the morning, my account was fine. Then I was unable to login online in the afternoon. Again, the morning of XX/XX/22, I was locked out of my account so I called Citi. Citi informed me that my savings account was closing out but they would not tell me why. All they said was that I would get a letter in the mail telling me why, within 30-60 days. 

My life savings is in the account- {$18000.00} - and nobody can tell me when I will get my money back. I have a child 's college to pay for soon and need my money back. 

I called about a dozen times and they not only couldn't tell me WHY it was closed, but they kept hanging up on me so I had to keep calling back. I asked to speak with a supervisor many times and they kept saying they were too busy and couldn't find one. 

I can not afford for Citi to just hold my money and not tell me when or how I will receive it back, if ever. This is nearly my life savings in this account that they just decided to close on me with no notice. No email, no phone call, no text, nothing. 

I just want my hard earned money back, and to be done with Citi forever, if they are going to treat their customers like this. 

Please help!
Consumer complaint received 2022-12-30
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. (IL)

I have sent letters to the three credit bureaus Experian, XXXX and XXXX to remove a charge off for a vehicle thats on my credit report and neither companies complied. I have written them twice to verify this account and provide me documentation verifying this account and they havent sent me anything verifying this account is mines. XXXX is reporting an incorrect name on their report as XXXX XXXX XXXX when my name should be XXXX XXXX. Also I have requested to have inquiries that do not hold any accounts on my report past 30 days to be removed also. Please take action as soon as possible!
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (WI)

I went to the car dealership and they advised me that they were not going to run a hard pull on my credit and in turn, they ran multiple hard inquiries without my consent.
Consumer complaint received 2024-10-17
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-22
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)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-06-22
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. (GA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

inaccurate information on credit report, 15 usc 1681, removed all accounts without authorization and want all account back reading paid as agreed never late. A so called creditors on the accounts are really debt collectors under 15 usc 1692a6, and the consumers extend credit via their social security number that has an open ended credit plan under 15 usc 1637. All applications for credit ar consumer credit contracts under 16 CFR 433.2 and are taken or received as payment for services goods or leases. By the credit reporting agency not having a contract with a consumer to unauthorized uses of credit card to debt collectors without consent and providing information that a consumer is a debtor when the banks and companies are liable as trustees to a cestui que vie trust consumer credit transaction after receiving consumer credit contracts and using the credit card social security card without receiving benefit after the use of the card which is a violation of 12 cfr 1002 and the ceo and agents are criminally liable by knowing this t=from lawsuits lost and still have not corrected all consumer credit reports to have the consumer reflected as the original creditors under 15 usc 1692cc2 . this is a bad faith action by the credit reporting agency and i am owed XXXX  dollars for every account removed fraudulently without my consent, by the defamation of character by showing paid off accounts and verifications by automated service to computer generate responses without looking into issues of false information under 18 usc 1001.
Consumer complaint received 2022-06-22
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: Affirm Holdings, Inc (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-22
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-12
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. (PA)

To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.
Consumer complaint received 2022-06-22
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. (GA)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately. 
"
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I, XXXX XXXX natural person and consumer pursuant 15 USC 1692 contacted Capital One XX/XX/2022, regarding my account giving an error message when logging in. Error message states : " Let 's Get This Worked Out you may not be able to see all of your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX ) XXXX '' I was told that there was a name error and that it will be taken care of when I send in my identification and a letter stating who I am. I was never made aware of this issue prior. I was told to take a picture with the letter and card number and social security number with ID attached. Upload to the link sent via email. It was received and I was told it takes 5-7 business days to resolve. I was then told there was an account checking open with my name. I verified it wasn't my account and then told that takes some time to call back another time. Here I am a month later XX/XX/2022 a XXXX then tells me I have to update my name via phone with creditwise for name change. I followed through with a lady who barely could speak english and told me it take 72 hours to update in the system. I was told my account should be all set and updated. Still the same error and Capital One has yet to respond regarding this ongoing billing error and error message. It is now XX/XX/2022 and I have yet been able to access my account. CO is liable for misrepresentation pursuant 15 USC 1692e. I the consumer should not have to worry if my private information is being mimicked without my knowledge. This is clearly fraud and Capital One should be held accountable pursuant 15 USC 1692k. I have tried resolving this matter several times and be coerced into dead ends. 

Everything I say here is true. So be it.
Consumer complaint received 2022-07-03
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. (MI)

The credit bureaus stated they investigated my account and issue correctly but this is not true because XXXX is still reporting account name XXXX XXXX account number XXXX i already got this removed from my other XXXX reports but XXXX insists on keeping it. this is not the first time but my rights have been violated on numerous accounts. all three bureaus do not have all my information correct this is a direct violation of my rights. also to begin with the bureaus took longer than 30 days to complete my investigation. 

15 USC 1681 section 602 A. states i have the right to privacy.

15 USC 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 

The following are all accounts in which i did not give written consent to furnish on my report : XXXX XXXX XXXX ( DEBT COLLECTION TEAM DIRECT VIOLATION, I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX BANK, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I logged into my XXXX account on XX/XX/XXXX to see that a collection account from United revenue Corp was added on the XXXX of XXXX. The debt does not state which company it originates from and I also have not received any written notices for this debt. I am in a state of confusion because I truly have no idea where this debt is from and it is damaging my credit.
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022, I used the Capital one mobile app to find an ATM near me. The ATM at the branch near my house closed during the pandemic. I had thought the point of the XXXX network is they closed a bunch of branches and ATMs but could use these ones not owned by CapitalOne instead. That is what their materials had led me to believe. 
On the app, XXXX at XXXX XXXX XXXX XXXX VA came up with a symbol for Capital One 360. It says under Services : Get Cash. There is no indication of a fee. 
I had assumed since it is on the Capital One app as an ATM, that I could perform the listed service ( get cash ) with no fee. 
This practice misled me and is likely to mislead other customers. I am certain other customers have been surprised to find ATM fees after finding an ATM on the Capital One app. 
I believe I acted reasonably in relying on the ATM locator on Capital One 's own app. 
It is material because it affected my behavior. The entire reason I went on the app was to find a fee free ATM. Otherwise, I could have just stopped at any ATM at a bank or elsewhere along my travels. If I had known there was a fee, I would have gone elsewhere to find XXXX without a fee. 
In this case, I was injured in the amount of the ATM fee. I would have chosen differently but for Capital One 's deception. 
Once I discovered the fee, I called Capital One. They told me I have to use the web site to find fee free ATMs. They provided no explanation why they list on their app ATMs that charge a fee. 
I asked to have a courtesy adjustment of {$3.00}, but the representative said he could not do it. He transferred me to XXXX on the management team. I explained that I was asking for the adjustment due to Capital One 's misleading practice, but he was unconcerned with the deception and refused the adjustment despite my being a customer who tries to follow the rules for almost 25 years.