davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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)

Hello, just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Please do not close this complaint stating that this is not me. I am writing this because, I sent TransUnion letters disputing the validity of the inaccurate/fraudulent information that they have on my credit report. I reached out to this company about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for this company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXXt # 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Late last year, I discovered I am a victim of identity theft. I contacted each financial institution to report the fraud. Beginning XX/XX/2021, I submitted multiple requests to XXXX and Transunion to have the fraudulent inquiries deleted from my credit profile. To date, this request has still not been fulfilled. My last submission included a copy of my identity theft report, my photo ID, and a list of the inquiries using the template provided by the Federal Trade Commission for just such a request. 

Please assist me with getting this request fulfilled. If more information is needed, please contact me via phone/email/mail and I will gladly provide the additional information. 

My review inquiries have been pending since XX/XX/2021, which is now XXXX XXXX months ago.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (LA)

I am trying to cooperate and solve this issue with my account being on hold I have attached a copy of a notarize affidavit of truth I've mailed off certified to PNC XXXX  investigator XXXX XXXX showing proof of my identity and clarifying and clearing up what happened to lift the hold on my account and will like to continue communication in writing.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (NM)

I received a phone call, ( XXXX ) XXXX from XXXX, MI. They were trying to get access to account saying they were Current XXXX XXXX. Which my bank is with Current, an internet banking app, they were asking for my text confirmation number and I provide them the number to access account not thinking about fraud. They had said that I had a transaction from XXXX which was totally not true, so I " Tried '' contacting my bank through app messages because that's the only way of contacting them ... which was quite frustrating due to the fact that somebody had access to my account, he/she could not help for any kind of account freeze or anything so my only option is you guys. Please Help!
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I've been managing my three accounts ( one checking, two savings ) online using my personal computer for many years. Despite many attempts, I have been unable to log-in from XX/XX/22 through present ( XX/XX/22 ). I discussed the issue with my local branch on XX/XX/22. The rep did some checking and had me try to log in using different browsers, to no avail. He stated he'd advise XXXX, who would work with me to resolve the issue. I never heard from XXXX, and called the branch again on XX/XX/22. Rep stated there was nothing they could do and advised I seek help from corporate customer service, which I did on the same day. That rep researched the matter and reported that there was a known issue concerning browser compatibility ( affecting various browsers, not just the ones I'd tried ). She stated she could not provide an estimate of when the problem would be resolved, and advised that I simply keep trying to log in each day. 

To date, I've been denied online access my accounts for at least 8 consecutive days, which has prevented me from transferring funds electronically, confirming automatic deposits and payments, obtaining documents, etc. Researching online, I found that many other customers of this bank have also experienced long-term lockouts to their accounts. XXXX XXXX XXXX XXXX XXXXfifth-third-bank ) I find this matter to be a breach of the bank 's responsibility to its customers.
Consumer complaint received 2022-07-11
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. (OH)

Im accordance with The Fair Credit Reporting Act the United States Bankruptcy XXXX Ohio District Case Number XXXX 15 U.S.C 1681 section 602 A States that I have a right to privacy. 
15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX T XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2021-07-15
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: Bread Financial Holdings, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-01-30
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: WESTERN UNION COMPANY, THE (NC)

We are working on entity license and payment transmitted with mortgage lenders and credit bureau and contact the credit bureau with investigation on the report ans send a notice of the foreclosure and bank statement regarding the issue in concern and keep relevant contact with the complaint submitted to XXXX concerning the data breach and concerns regarding the difficulty in supplying the dispute with the mortgage of the property and update the company with the XXXX and XXXX XXXX from the payment voucher and attorney information from the support group.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Called Comenity Bank regarding a XXXX yearly fee for a card they administer for XXXX XXXX XXXX XXXXXXXX. I called approximately XXXX weeks before the due date ( XX/XX/23 ) to request that the card be canceled. 
I subsequently received a letter from Comenity bank stating that the XXXX XXXX XXXX XXXX XXXX had been closed. They also state in this letter that my current balance is XXXX, and you will continue to receive monthly billing statements until any balance is paid in full. 
This is an annual fee for a card that is now closed. They basically threaten to ruin my credit- listing all the credit reporting agencies as intimidation. 
Please keep in mind that I canceled the card prior to the due date on my statement.
Consumer complaint received 2020-08-24
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$220.00} XXXX/XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$910.00}
Consumer complaint received 2022-07-11
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: CLGF Holdco 1, LLC (FL)

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. CB INDIGO/GF ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( CB INDIGO/GF ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello, I have had troubles with Truist bank before and am planning on removing my money. They won't let me take my money out without my ID which I have lost. I have a photocopy of my ID but they stated that was not good enough. 

I went to the bank on XXXX to get a notary signature on a paper to get my birth certificate. The XXXX woman with an IQ of XXXX stated without an ID she could not sign the paper. I stated the photo copy was good enough or I could bring someone in to verify the person on the paper was me. She stated no and said I was disrespectful. I got very angry as I know she was lying. There were other customers in the bank. This is what I hear, fill out this form for fraud ( no help otherwise ), go to another bank for help. I know this bank has fallen to XXXX out XXXX stars. My point is the customer service is XXXX. Every time I go there there are new tellers who do not take time to get to know their customers. In Florida my photocopy is good enough to get money out of my account and get a notary as well as bringing someone with me. To be told No I can't help you by some one with no college degree and not from this country is aggravating. I have my XXXX and know the law. The bank has broken it and I assume are making up their own laws. The arguments of the other customers were hostile. I told the XXXX manager she did not know what disrespect was and that she was lying and that I was notifying the authorities. She was very angry towards me. What I want is college educated people who follow the laws. I asked her how I could get my ID if she would not sign the paper to get my birth certificate to get my ID. She stated she needed the actual ID. I don't think she got the illogic of the gesture on her part.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

This complaint is regarding Account # XXXX. I notified Chrysler Capital and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX Chrysler XXXX XXXX XXXX in XXXX XXXX XXXX was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in Chrysler Capitals possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle XXXX # XXXX. I asked that Chrysler remove this account from all 3 credit Bureaus.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment.

If you can expedite this request to look into this matter for me, I would really appreciate it.

Thank you in advance.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

On XX/XX/XXXX I was searching for a cabin to rent in Tennessee for a family vacation from XXXX XXXX XX/XX/2022. I was contacted by private message from XXXX XXXX XXXX stating that he had a cabin that I was looking for. He sent me a link for a XXXX listing, when I asked why the dates I needed were unavailable I was told he had a cancellation. So after talking it over with my family I agreed to rent the cabin. XXXX sent me a rental agreement with the company name of XXXX  XXXX XXXX which I filled out and returned to him. I sent him a deposit in the amount of {$700.00} via zelle on XX/XX/XXXX and then a final payment of {$690.00} on XX/XX/XXXX. I received an invoice for the payments via email. 
On XX/XX/XXXX I tried to contact XXXX to confirm the check in and he was no longer online and would not return my email. So I looked up the listing and contacted the company XXXX and was transferred to XXXX XXXX XXXX I spoke with one of the representatives and asked about my rental and was told that I did not have a rental booked and that XXXX did not work for them they told me that I was scammed but didnt offer to help me find another cabin. 
I immediately contacted my bank and they put in a dispute with zelle and I was told that it was denied and nothing else can be done to recover my money.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (MO)

After reaching out to XXXX about an unauthorized inquiry that appears on my Equifax credit report, on XX/XX/2022 I mailed to Equifax a dispute letter advising that the following inquiry was not initiated by me : XXXX I also included with this letter is a copy of the Federal Trade Commission affidavit . 
On XX/XX/2022 I submitted a complaint to the cfpb. Equifax responded requesting me to verify my identity. 
On XX/XX/2022 I mailed to Equifax the following items certified : identity verification documents the dispute letter a copy of the ftc report After the 30 day investigation Equifax has not removed this inquiry from my credit report. This will be my fourth attempt seeking a resolution from Equifax for this issue.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

I've attempted to payoff my Wayfair credit account via Comenity.net, numerous log ins, error message states account closed, unable to make payment. The number provided on site called most recently, the rep spoken with advised no settlement offer available if paid off in full, was told to call collections when account past due... There are at least two late payment fees on the account which are questionable and I believe could be removed as part of settlement amount, if offered.. As stated before, no such offer is available as account is not past due, according to rep spoken with.
Consumer complaint received 2022-07-11
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)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $