davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 2022-12-09
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. (VA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-12-09
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2022-12-09
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. (FL)

My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Consumer complaint received 2022-12-09
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)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 XXXX 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 items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The accounts below should be corrected : XXXX XXXX XXXX ...., XXXX XXXX ..., XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX ....
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX  number : XXXX called Citibank because my card would not transact. After crazy hold times I was verified in their system by phone number, logging into my app to authorize myself, birth date, social, and birthday. I was then told my account was being reviewed for fraud and I told them every transaction was valid because I check them every day. Continuing the conversation I was hung up on shortly after I was told itll take 24 hours to resolve. 
XX/XX/XXXX : called about 8 times, every time I was told the fraud department cant do anything and that it was under review by their back office. Over 24 hours later now I am fed up XX/XX/XXXX : filed a complaint with XXXX and that is currrntly being worked on. 
I have bills that need to be paid, I was never given notice that I had fraud in my bank account ( I am opted in for email and text notifications ) and come to find out there was not any fraud on the account begin with.

Surreal experience with this bank and I will either be withdrawing all funds ( if they ever unlock the account ) or requesting a check with all funds immediately after it is unfrozen
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been experiencing issues with Bank of America sending me a new XXXX card. On XXXX XXXX at XXXX I received a text message from Bank of America that read Your BOFA XXXX  Debit Card has been disabled & terminated on XXXX XXXX when I called XXXX to file my benefits I told the representative about the text message I had received days prior and the representative had told me she had never heard of that happening before. Later on in the month of XXXX I spoke directly to a BOA rep. And they told me that they couldnt help me with this issue, because the account was closed for unknown reasons and they couldnt issue me another card. On XXXX XXXX I filed a complaint regarding the BOA XXXX  card I had that has recently been closed due to Bank of America freezing my funds EVERYTIME I would attempt to use my card, XXXX XXXX I filed another complaint with the CFPB against BOA because my card was still being blocked and I was unable to access my funds on my card. Both times response was that the problem was going to be investigated and they needed more time to see why this problem was occurring without reasoning. I then received a follow up email from XXXX XXXX department from XXXX XXXX Who had said she would be investigating the problem and would send me a letter I reached out to XXXX several times throughout XXXX  and never received a response later on in XXXX I received a letter from Bank of America stating the were experiencing a glitch in the system which was the reason that my card was not working accurately and that they would continue to update me on the investigation which they never did. Now a year later Bank of America refuses to issue me another XXXX card after they just closed my previous XXXX card for an unknown reasons.
Consumer complaint received 2022-12-08
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with the bureaus on XX/XX/2022, and XX/XX/2022, but they did not remove them. 

Sec. 602 I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-12-08
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 received a notification from Experian this morning regarding the completion of disputes regarding the prior complaints I submitted using this site. 

Complaint # : XXXX ; XXXX To my surprise, many items that do not belong to me are still reported on my credit report. 

Each account was updated with the status : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

By law, I can request a copy of what these companies have provided to Experian that verifies this information to be accurate. 

Attached you'll find a screenshot of all the accounts that are in question. 

I'm asking Experian to provide me with the information they received from the company that Experian used to verify the accuracy of such accounts. 

There's also an incorrect address that I've never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this incorrect address.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

How you all doing my name XXXX XXXX XXXX you all today my application was denied for a auto loan with Capitol one auto finance. 
Thats false and misleading they cant deny me with extensions of my own credit I know XXXX the consumer and the original creditor & trying to extend my credit out to them. 
Credit dont matter the laws matter thats consumer law 15 usc 1611.They giving me false information willingly & Knowingly because its public information if its public information they should know it. 
Also they asked for a downpayment thats openly committing fraud its illegal the finance charge is the sum of all charges downpayment Gap insurance and dealer fees that falls under consumer law 15 usc 1605. 

Can you all please reach back out to me asap The application is with XXXX of XXXX Louisiana XXXX Application number XXXX XXXX on bank XXXX XXXX Ext : XXXX Vehicle Vin : XXXX
Consumer complaint received 2018-01-28
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)

Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}
Consumer complaint received 2022-12-08
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-08
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. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX party. I declare under penalty of perjury ( under the laws of the XXXX XXXX if executed outside of the XXXX XXXX ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX XXXX punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX
Consumer complaint received 2018-01-28
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)

Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}
Consumer complaint received 2022-12-08
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. (SC)

i have contacted XXXX, XXXX and TransUnion about medical collections reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with HIPPA, and that my rights have been violated under HIPPA.

Additionally i am allowed under HIPPA law TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that HIPPA does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting XXXX, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and HIPPA AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (WA)

I have had an ongoing issue of SoFi freezing my checking account even after the most minuscule of charges ( {$8.00} ). I have had to contact SoFi weekly to have my account unfrozen. However, this most recent action by SoFi is completely unacceptable and I now have no access to + {$11000.00}. 

On XX/XX/XXXX, while traveling on XXXX XXXX I was notified my debit card was declined. I previously let SoFi know I was traveling because I anticipated an issue. After arriving back in XXXX, I received this message on my SoFi mobile application, Account restricted - Your account is currently restricted. Please reach out to us as soon as you can for more information. 
I called the number provided and reached the XXXX XXXX. I was then told my account was restricted. I would not have any access to funds, I was unable to close my account, and could not take any action. When I asked the timeframe for resolution or the reason for my account being locked, I was told no additional information is available and I would need to periodically check the application for updates. 

I explained twice that these funds are urgently needed for food, gas, and other basic living expenses. Despite this, SoFi refused to provide any funds access, explain the problem, or give a timeframe for resolution. I am also unable to even close my account and take my funds elsewhere. I am shocked that SoFi can do this. I am currently listing my townhouse for sale next week and have numerous expenses that are now having to be put on hold due to lack of access to funds. 

Any assistance you can provide will be greatly appreciated!
Consumer complaint received 2022-12-08
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. (GA)

I have NOT received any FACTUAL information or an AFFIDAVIT OF FACTS on how you verified the erroneous information of the alleged account attached in Exhibit C. Therefore, I request you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court as evidence of my trying to rectify the subterfuge that you are reporting. XXXX ( copied from Affidavit of Truth ) XXXX TransUnion has acted unethical. Though TransUnion reported to the CFPB on XX/XX/2022 that it was in progress with complying with the affidavit in which TransUnion received via certified mail on XX/XX/2022, TransUnion has not complied with the affidavit as of XX/XX/2022. TransUnion mailed me a letter on XX/XX/2022 and again on XX/XX/2022, stating that its company had completed its investigation reflecting the erroneous alleged account as accurate and the subterfuge as still reporting on my consumer report. Though TransUnion reported to the CFPB on XX/XX/2022 that its company 's investigation resulted in TransUnion deleting the erroneous alleged account from my consumer report, TransUnion has NOT deleted the erroneous alleged account as XX/XX/2022.