davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

My savings account has been repeatedly locked and my funds have been trapped in the account, despite multiple calls with specialists who unlock the account. I have asked specialists if I was able to transfer my money out and they confirmed that I could transfer the money out. I requested a transfer from Marcus to XXXX on XX/XX/23that was returned onXX/XX/23 because my Marcus account was locked. I called Marcus and my account was unlocked by a representative who said it would be fine to transfer the money. I requested a transfer from Marcus to XXXX  again on XX/XX/. This transfer was returned back into the Marcus account because, again, my Marcus account was locked. I called to unlock the account on XX/XX/ and was told that I had to submit an affidavit of identity before I could access my money that was locked in the account. I was told to call back in 1-3 business days because the affidavit required approval before Marcus would send it to me. I called 3 business days laterXX/XX/23 to check if the affidavit of identity had been sent, but the representative simply unlocked my account and confirmed that I could transfer the money out. I attempted to transfer my money out of the Marcus account, but once again the account was locked. During each call with a representative/specialist, I was given conflicting information about whether my account and funds were accessible. My mother received a voicemail on XX/XX/ informing me that my account had once again been locked and that I would need to call. I called on XX/XX/ to unlock the account and the representatives told me they had not put in the request for the affidavit of identity yet. The representative told me she would be asking the " upper management '' to approve that the affidavit of identity would be sent to me in the mail. I was told to call in 1-3 business days to check if the affidavit of identity had been to me from Marcus, XXXX I called today, XX/XX/. The representative on the phone said that there were no updates and that I am supposed to call in 3-5 business days. This means that my account and funds will have been locked for over a month before I can access them, and still Marcus does not give me information or help me access my funds.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (HI)

I put a an initial fraud alert on all three credit bureaus on or about XX/XX/2023, yet there has been hard pulls on my accounts after this date. 

I have contacted all of the credit bureaus and could not get them to remove these sham/bogus/not initiated by me checks on my credit.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.
Consumer complaint received 2023-08-12
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. (OH)

On XX/XX/XXXX I mailed a letter to XXXX and Equifax disputing the following inquiries on my credit report : XXXX : Certified Credit Reporting ( Miscellaneous ) - XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX Equifax Mortgage Service XXXX XXXX ) - XX/XX/XXXXXXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Miscellaneous ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX ( Bank ) - XX/XX/XXXX Equifax : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Equifax Mortgage SER - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX Despite including a copy of my Social Security Card, my State ID, and my signature on the letters, XXXX still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from XXXX past that point. It has been well over 30 days. 

On the same date, I mailed the same letter to Equifax with the incorrect inquiries they had listed. Equifax NEVER responded regarding the inquiries.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AL)

I got a loan with Hyundai Motor Finance Company and they have put incorrect information on my credit report. I've called multiple times and they still keep giving me the run around. Talking you can't talk to no body there about the problem over the phone. You have to send a letter to their P.O. in XXXX XXXX California and wait 2 months for them to get back to you about the problem. I had a XXXX XXXX  to call then to verify that according to my payment history the information they posted on my credit report is incorrect. But they wouldn't answer any questions concerning the matter. Which is causing me a problem with my home loan process. I wouldn't recommend XXXX XXXX XXXX  to anyone!
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2023 I was contacted by phone and USAA was showing on the call. The man said he was from USAA and that fraud was being suspected on our account with the last 4 of my card information. He had my information and sent a text message verifying the statement. I did not give him any account information or any codes. He specifically said do not give me any code or account info. He said everything USAA does when suspected fraud has been on our account. I hung up and got a text message that XXXX was wire transferred out of our savings account. I immediately cashed USAA and was just in shock. We filled with the FTC, and the FBI along with USAA. Called USAA back and the lady told me that they found it to be my fault. She reopened the investigation as she looked up the IP address the wire came from and it was in Florida. She said it should be overturned, but we needed to be patient. I did not have a computer, I work on irrigation systems. I did not authorize a wire transfer, the money in our savings is for a claim due to major water leak. And the work has already started. I am trying to get any and all help from every possible avenue available.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I was trying to pay rent today at The XXXX XXXX Apartments. And noticed added an extra XXXX to my balance which wasn't right. I talked to the manager and tried to dispute it and almost successfully untill i accidentally sent the payment while trying navigate their app. was told to call my bank ( Wells Fargo ) as they could do nothing to dispute it from their side Wells Fargo told me nothing can be done till the payment posted in my account which will take more than a day to do since i used checking to pay for rent. So I'm caught in a limbo where I don't want my apartment to take extra money out my account but I have to wait for it to happen in order to even get that money back.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (PA)

A credit card application was completed in TD bank branch. Forms were emailed. Then TD never responded about application. Reached out to branch and XXXX number, was told there is no information in system reflection credit card application. 
Received email from TD Bank for credit card prescreening promotion. Went into branch and sat down with branch manager. Provided personal information along with PCN number for application. TD system gave issues for processing application again. 
There seems to either be an issue with the particular branch ( branch XXXX ) or the system is biased and false advertising promotions intentionally!! 
TD credit card practices are deceitful or intentionally targeting specific clients to not process applications thoroughly and properly!
Consumer complaint received 2023-08-12
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. (GA)

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.

Bankruptcy : XXXX XXXX Bankruptcy ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WA)

They contacted me about my mothers debt. Shes alive. Im not a co-signer. We dont share an address or phone bill and havent in over 15 years. She didnt give them permission to contact me. They illegally took my information from a database they refused to name and contacted me as a way to harass her through me. I asked for the companys address and the collector hung up on me.
Consumer complaint received 2023-05-09
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)

XXXX XXXX TransUnion Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. So, I did reach out to these company, and they were unable to provide me with any valid proof of any delinquent. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? while doing extensive research where it states by law, I have 30 days to complete this investigation. and I have not gotten a response back and it have been longer then 30 days. Please investigate the following accounts and remove them if anything is missing or not correct on them. from the look of things my information has been sold without my consent which is in vallation of my privacy. 
I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the form area.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I discovered on my Chase online banking that my account had been hacked again. 
A total of 9 ATM UNATHORIZED withdrawals were made on XX/XX/XXXX. This occurred again after chase had send me a new card and returned my money back on XX/XX/XXXX. from previous claim with same situation. 
I immediately reached out to Chase bank again thinking how this could be happening again, after I had just received a new ATM card. 
The chase representative informed me that the transactions were made with my NEW card and my PIN was used. 
I was in disbelief, I explained to the representative that I never lost the new card and was always with me and I did not make those atm withdrawals. Also discovered by talking to the representative that an address from XXXX NY was on my account, that was the city and State where all the transitions from my previous claim occurred. 
The representative proceeded to remove that address from my account and a new claim was submitted on XX/XX/XXXX. for a total XXXX on unauthorized ATM transactions. 
On XX/XX/XXXX the claim with Chase was denied again, saying that the transactions were made with my atm card and Pin number and there was nothing they could do.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX has reported on credit report a debt from XX/XX/XXXX. This was previously reported and deleted XXXX, and XXXX. I contacted main line fertility spoke with XXXX at XXXX. Per XXXX there is no record of debt owed from XXXX. Per XXXX collection activity was started and sent to XXXX collection on or around XXXX as this debt was incurred XXXX. The company has falsified dates. I have disputed with the XXXX bureaus. XXXX has removed and has not allowed this to be reported again as it is too old to be reported. This debt is well over seven years old and the collection company can not change the date to continue to report negatively on report.
Consumer complaint received 2023-08-31
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SG and Associates (NC)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with the account listed under convergent outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on not believe the account belongs to me nor do I believe that the creditor has the authorization to access the account and attempt to attempt to collect on the account the account continues to negatively affect me, Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-08-12
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.

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 2023-07-19
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. (OK)

Recently I had disputed accounts on my credit reports. with CFPB and XXXX and XXXX Trans Union. The CRAs were not reporting correctly. The complaint number is XXXX with the CFPB. XXXX has resolved the account reporting problem, XXXX and Trans Union has not. The Company that I have the accounts with has notified me that they have removed all prior paying history with all the CRAs and updated correct information. I am not sure why Trans Union and XXXX has not updated the accounts and did the same. This is a violation of my fair credit reporting rights and is truly not fair.Hopefully CFPB can help me with this reporting issue listed on the complaint number listed, informing XXXX and Trans Union what has taken place.