davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (CA)

Credit Karma, XXXX, and XXXX, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or click bait is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from fair-credit karma guarantee, and or outstanding, Good, and Excellent. Example : All XXXX card require that your application for a credit card be your first or second hard hit, if you have two hard hits and apply for any XXXX card you will automatically be denied. I have 5 hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or 4.8/5 stars matched for you? How when I have 5 hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

My friend sent me {$250.00} payment via XXXX transfer from his XXXX  XXXX XXXX account to my Ally Bank checking account on XX/XX/2021. This {$250.00} XXXX transfer was successful and the money should arrive in my Ally Bank account instantly. However, it didn't happen. Instead, Ally Bank is holding my money and doing a compliance review on this incoming transfer. Such reviews never happened in my incoming XXXX transfers before. It is not stated in Ally Bank website regarding XXXX transfer policy either. 

I request Ally Bank to immediately release this {$250.00} to my Ally Checking Account without any further delay. This {$250.00} money must be release to my Ally account IMMEDIATELY.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I attempted to deposit a tax return check using the online tool Citi bank on XXXX XX/XX/2023. I received a notification from the bank on XXXX XXXX saying, " there's been a delay in making the funds from this check available due to : We have confidential information indicating the check may not be paid. '' Not sure how they could get a confidential information on the check. I thought it was unprofessional since this is a government check and should be available. I called to complaint ; the representative told me to deposit the check at another bank. I took his advice and deposited the check using XXXX. Now Citi has closed my account and they will not allow me the fund for 30-60 days in order for them to go through the process. They have held onto my money and are not allowing me access. They did not extend me the courtesy of notifying of closing the account or a chance to resolve the matter. They blocked me from accessing my account and any fund available as I'm going through a house purchase. I believe this matter could have been avoided if they didn't delay due to unknow confidential reason that was probably made up.
Consumer complaint received 2023-06-26
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. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line to be removed.
Consumer complaint received 2019-03-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I am a graduate of XXXX XXXX XXXX XXXX XXXX ( my dream school since I was XXXX years old ) which I now regret. I have roughly {$130000.00} in private loans with Sallie Mae and {$40000.00} in federal loans. After graduation I was highered part time and qualified for forms of forbearance.My mother who cosigned my private loans filed for bankruptcy and is my only family, she can not help me pay what so ever. Now that I have a full time job ( and looking for a second ) and make {$430.00} a week I don't qualify for any forbearance, but still cant afford the lowest repayment options, {$590.00} a month from Sallie Mae and {$230.00} for Federal. I have a personal loan, phone payment, {$670.00} rent, and groceries I pay every month. This doesn't include electricity bills, heating bills, water bills, or any other monthly bills. I am currently in the process of moving everything over from XXXX  to XXXX XXXX, so my car insurance and car payments are not even included. I feel as though I am fighting a losing battle and do not know what else I can do
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I paid off XXXX in XX/XX/2023, its still on my credit report as open and a balance. I called an no response they said its the colllection agency I call collections agency and they said the reported to the credit bureaus already. Its a cat and mouse game. Please help
Consumer complaint received 2019-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!
Consumer complaint received 2019-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had a visit from a XXXX authorized dealer ( XXXX XXXX XXXX ) to my house on XX/XX/2019 letting me know about promotions XXXX is running. After our conversation he told me he needed to check if I had any outstanding balance due with the company. I gave him my SSN number and specifically asked him not to run my credit and he assured me that he will only check if I had a prior balance with XXXX. After he left I found out that I had a hard check on my credit report. I immediately contacted Trans Union credit bureau and was told I would need a letter of deletion to remove this unauthorized credit pull from XXXX. I contacted XXXX and explained the whole situation to them and was told they can't issue me a letter of deletion. I'm in the process of buying a new car so this unauthorized credit check has severe financial implications for me. I'm not getting any help from XXXX in this regard and Trans Union is not willing to remove it without the letter of deletion. I would really appreciate your help to remove this fraudulent credit inquiry on my credit report. 

Thank You
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (TX)

I am writing to file a formal complaint against XXXX XXXX XXXX a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report. 

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX  non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Neon Newco Corporation (FL)

I contacted PayPal on the XXXX of XXXX about a stimulus check showing deposited into my account by the IRS and made sure all account numbers were right and PayPal advised me that they couldn't find a deposit in my account but keeps telling me to keep waiting. A lot of people with PayPal cards are having this very same issue
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

Dear Sir/Madam, I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorizations, whether they were given to you in written, unwritten, verbal, or non-verbal form. 

As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies. 

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information. 

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future. 

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

Sincerely,
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX ( XXXX XXXX XXXX ) Account Number # XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number # XXXX ( XXXX XXXX ) Account Number # XXXX XXXX XXXX XXXX  ) Account Number # XXXX ( XXXXXXXX XXXX XXXX Reference number # XXXX ( XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 SECTION 602 A. States i have a right to privacy.

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX has violated my consumer rights. 

Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. This company has discloused payment history to a third party which is Transunion and XXXX and I never gave consent to XXXX XXXX to disclose any of our transactions to a third party. They continue to violate my consumer rights and break the law according to the FCRA THIS IS ILLEGAL! This has caused XXXX and I have considered taking my life because XXXX has caused me great distress in disclosing my transactions illegally to these third parties! Please enforce them to abide by the law that protects my consumer rights. 

THE LAW -- -- -> UNDER 15 US CODE 1681 A ( 2 ) ( B ) Exclusions from a consumer Report this account is in violation any credit transaction supposed to be excluded from a consumer report, if a social security card was used in the transaction.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I was alerted by my landlord that I hadn't paid my rent for the prior month ( {$2200.00} ). Knowing I had, I looked up the check on Chase 's website and sent the photos of the deposited check to the landlord. They pointed out that it was not their endorsement on the back.

I immediately called Chase Fraud Services and explained the situation. They gave me a " Declaration of Unauthorized Endorsement or Altered Item '' form to fill out and have signed by the landlord stating they hadn't endorsed the check. I completed the form, had it signed by the landlord, and returned it to a local branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for them to send to Chase Fraud Services on the same day ( XX/XX/2023 ). 

Having not heard from them since I brought them the form, I called today to check on the status. They informed me they were still waiting on the Declaration form ( the one I had dropped off at their branch months before ). I went in to try to figure out what happened. I spoke with the same woman who had helped me previously and she showed me that she had faxed the form on the same day and received a confirmation number. She called the claims department and they said they can't find it. I asked if they can look given the confirmation number the banker had. They said they couldn't and that I'd again have to go get the form signed by the landlord. 

This, to me, represents two institutional-level failures- cashing a check to the incorrect person, and the mismanagement and/or destruction of relevant materials for a fraud investigation.
Consumer complaint received 2023-06-27
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: Bread Financial Holdings, Inc. (NC)

Someone has done inquiries on a couple of my credit cards and opened accounts for 2 credit lines. I have called both companies and closed the accounts here is the information that I have for both accounts : Commodity CapitalXXXX XXXX * they did an inquiry on XX/XX/23 and XX/XX/23 and opened an account on XX/XX/23 * I contacted them on XX/XX/23 and told them this account was fraudulent, they closed the account and blocked it from being used. 

XXXX XXXX XXXX XXXX *they did several inquires on XX/XX/23, and XX/XX/23 and opened an account on XX/XX/23 and XX/XX/23 * I contacted them on XX/XX/23 and told them this account was fraudulent, they closed the account and blocked it from being used. 

I also closed my old email account and have a new email account. 

I am not sure what the next step is.. but if you can help clean my credit report what would be so appreciated.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights ; under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-26
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-25
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: EQUIFAX, INC. (NC)

i disputed XXXX unauthorized accounts with equifax. there are a total of XXXX disputes opened to get rid of the same XXXX accounts. there were XXXX and now there are XXXX for the same accounts. this is just uncalled for. i sent in the proper documentation to get the accounts deleted and nothing has been done. XXXX disputes total to get rid of the same XXXX accounts is way too many and uncalled for. i am about ready to sue equifax