davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was visited at my house by XXXX, which is a home security system. The salesmen showed my the system and told me about the monthly monitoring service. He also showed my the equipment, HOWEVER, he never told me or even suggested that he was going to open up a credit card in my name, and I would've never authorized him to do so. I want the hard inquiry from XXXX and the subsequent account removed from my credit, as I have NO KNOWLEDGE of this account, was never authorized by me, and I was thoroughly deceived by the salesman. Im trying to refinance my house, therefore, I would have even further said no about opening up this new card/ for a security system. It just doesnt make any sense. XXXX  practices is very deceiving and I feel that they took advantage of me because XXXXXXXX XXXX XXXX XXXX 

The inquiry is XXXX XXXX XXXXXX/XX/year> The credit card is from XXXX and has been subsequently maxed out by XXXX themselves again with no knowledge or approval from me. 

And Im reporting this to the XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a check in the amount of {$29000.00} from my insurance company and attempted to deposit that check in a Citizen 's branch on XX/XX/XXXX. 

I received a confusing letter in the mail from Citizen 's ; the letter said that the funds from the check would be delayed, but available on XX/XX/XXXX, 6 days after the check was deposited. The letter ALSO stated that Citizen 's believed the check will not be paid. I have attached a copy of the letter. 

On XX/XX/XXXX, the account was credited {$29000.00} ( dated back to XX/XX/XXXX ), but then immediately debited the same amount. We spoke to a branch representative, and they said that the credit was a mistake, that the check would be returned to us in the mail, and that the funds would be sent back to XXXX XXXX, our insurance company 's bank. I am attaching a copy of the relevant transactions from the bank statement. 

We did not receive the check in the mail. When we called Citizen 's to ask about the paper check, they said they return the checks to XXXX XXXX and that there is no way for us to get the check back. They advised us to ask our insurance company to reissue the check. 

When we spoke to the insurance company on XX/XX/XXXX, they let us know that the funds have not been returned to them, and therefore, they can not reissue the check. We called Citizen 's again on XX/XX/XXXX and were told that the funds are in the process of being returned to XXXX XXXX, with no estimate of when the return would be complete. 

We also started an email thread with XXXX XXXX ( NMLS ID XXXX ), the XXXX 's banker at our local branch who we have been working with throughout this process, as well as our insurance company, hoping that the two companies would be able to work together to track down the missing {$29000.00}. Unfortunately, XXXX refused to use the reply-all function so the insurance representative could not see her response ; however, XXXX did indicate that the funds were already return on XX/XX/XXXX. This is a direct contradiction of what her colleague had told us over the phone earlier. This is also not the first time that we have been told contradictory things by different XXXX 's employees in this case, see also the open question of whether the check would be returned to us or not. At this point, we have no idea where the money is, and it seems Citizen 's does not either.
Consumer complaint received 2023-08-03
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)

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 2023-08-03
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 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2024-08-22
Product: Credit reporting 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. (AR)

I am writing to formally dispute several unauthorized inquiries that have been made on my credit report. These inquiries were not initiated or authorized by me and have appeared on my credit report without my consent. I request that these inquiries be removed immediately as they are damaging my credit profile. 

XXXX : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Automotive XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Automotive ) - XX/XX/XXXX XXXXXXXX XXXX XXXX ( Automotive ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX  XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Automotive ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXXCreditCards ) - XX/XX/XXXXXXXX XXXX ( XXXXXXXXCreditCards ) - XX/XX/XXXXXXXX XXXX ( XXXXXXXXCreditCards ) - XX/XX/XXXX XXXX XXXX ( Automotive ) - XX/XX/XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Automotive ) - XX/XX/XXXX XXXX XXXX ( Banking ) - XX/XX/XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), inquiries into a consumers credit report must be authorized by the consumer. These inquiries were made without my authorization, constituting a violation of the FCRA. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain accurate information on consumers credit reports. The presence of these unauthorized inquiries indicates non-compliance with this provision. 

Request for Immediate Action : I request that you conduct an immediate investigation into these unauthorized inquiries and remove them from my credit report. Please provide me with an updated copy of my credit report reflecting these corrections.
Consumer complaint received 2023-08-03
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. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/23, I was notified via email by my financial institution ( Chase Bank ), of which I have been a loyal customer for over 20 years, at XXXX cst, that my account was locked due to unusual activity. I did not see this email until about XXXX cst. I called the customer service number that I was provided by accessing my account via mobile app, and was informed that the Chase has chosen to close the account. No other information was provided to me except that I should visit a local branch. 

I went to the local branch when the bank opened at XXXX cst, and was assisted by the branch manager. She accessed the account and was able to see the transactions, but there was a note on the account for the internal employee of the bank to call a certain number. 

She called the number and was only able to give me information that the account was closed at Chase 's discretion by XXXX XXXX and that I would receive a check for the funds in the account in 2 weeks ( by XX/XX/23 ). I was also informed that I would not be able to access any funds ( XXXX ) and any auto payments that I had coming out of the account would be rejected. So I was going to be without access to any funds, and unable to take care of my financial responsibilities for 2 weeks. 

I was not given a reason as to why, and I don't have any idea as to why. 

Please assist me with this issue. 

Regards ... XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

I do not owe this bill. It was disputed with XXXX XXXX and this company did not show a signed contract and no proof of bill of sale from then. I never had a bill with XXXX never signed nothing for this company. They took it off my credit and keep selling this over and over. I did a police report this is 7 years old and should not be on my credit and XXXX XXXX  told Al the credit reporting companies and they verified it and took it off and the sold it and now say XX/XX/2023. This is not true. This is my 2 time reporting this XXXX bill.
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MI)

I do not authorize Lexis Nexis to furnish any information of my social security and information. They are falsely providing details that is unauthorized and I wish them to freeze and no longer report inaccurate and false information.
Consumer complaint received 2016-07-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (FL)

In XXXX 2016, I received a letter from my mortgage company, XXXX XXXX, that they would stop using XXXX XXXX for processing of their accounts starting XXXX XXXX 2016. From XXXX to XXXX, XXXX XXXX, continued to withdraw money from my account electronically through ACH. I phoned XXXX on XXXX XXXX with no contact with a representative. On XXXX XXXX, which a representatives " XXXX '' said it was the fault of XXXX XXXX, who is a third party in which XXXX XXXX used. On XXXX XXXX, I phoned XXXX XXXX and canceled my program with them, receiving the confirmation number of XXXX. My bank XXXX started a dispute with XXXX, XXXX, in which XXXX XXXX finished them a copy ( which I do not have nor been given ) of my authorization for withdrawal. On XXXX XXXX, XXXX XXXX withdrew another {$1300.00} from my account through ACH. I phoned XXXX, whose representatives reached XXXX XXXX ( after dialing XXXX nonworking customer service numbers ). We spoke with XXXX, agent # XXXX, who again tried to push it off as an XXXX XXXX problem. XXXX tells me I need to provide proof that payment was actually received on their end through providing several documents and then their accounting division will " research '' the problem. This seems very unlawful as I do not, nor ever have, had a loan with XXXX XXXX and as of XXXX XXXX 2016, my mortgage company ceased to operate with XXXX. Therefore any authorization on my behalf to submit payments to XXXX XXXX would be null and void based on the fact that XXXX does not service loans with XXXX XXXX. XXXX XXXX is not receiving the payments from XXXX XXXX. On XXXX XXXX, I phoned XXXX XXXX to confirm they closed my account with them as requested on XXXX XXXX. I spoke with XXXX who tells me I owe XXXX XXXX over {$2000.00} because they reversed the payments and supervisor XXXX, acknowledged that the company unlawfully accessed my account on XXXX XXXX to recoup the funds. I never gave them verbal or written access to my account. Thus, BOTH companies are conducting themselves in unethical ways by withdrawing money using ACH under different company names and accessing accounts without approval.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (TX)

I've had a collections account on my credit report from EQUIFAX for about 3 - 4 years now.

That account doesn't belong to me. It doesn't even have my real name nor my real date of birth. 

When this report came around I disputed it, XXXX removed it right away since they verified promptly. 

However EQUIFAX keeps telling me that all the disputes I've made come back as accurate or correct account on my file, which is false. 

I even called the collections agency charging me for the account and they said they verified that it doesn't belong to me and that they have sent a report to Equifax and XXXX to remove such account on my credit report. The collections agency also said that they haven't received any request for verification from Equifax. 

That means that EQUIFAX isn't even verifying the information and my disputes from them come as " correct '' and " valid '' which is completely false. 

Here are the last disputes numbers I was given by Equifax. 

XXXX XXXX XXXX XXXX To add to the frustration, last time I called Equifax they said that they can't even check the status of my dispute because the personal information I'm providing doesn't match the account. However, how did I even create the last few disputes with them If allegedly they're not even supposed to do it without verification? They're just keep giving me false information and disregarding my request over and over. 

Now they have the audacity to ask for copies of my SSN, ID, Proof of address and mail them to them before they can even check my status of my account. 
I can't even do any of these procedures online because their system won't even let me login, they even sent me a letter to my residence with a PIN number to verify my real address. And when I tried to log in with that same mailed PIN number their system told me call customer service. Outrageous. 

I can't trust Equifax with my personal documents, why would I trust a company that has been sued for a massive databreach? but they still dare ask me for my personal information. 

Equifax is obviously not doing their job. The collection 's agency, and experian already confirmed the right information. 

Feel free to verify the account with the collections agency, their email is " XXXX '' name XXXX XXXX, last 4 of ssn XXXX. 

Last time I called Equifax after being dropped several times was with " supervisor '' XXXX ( probably a fake name ) Operator ID XXXX ( Probably meaningless ). 

At this point I'm ready to sue, this report on my file has been a tremendous burden in my ability to get credit, lease, and prove good record. 

I'm attaching copies of my XXXX and Equifax credit report and the account in question.
Consumer complaint received 2023-06-08
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. (NY)

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

If there is any name in your system that does not match the first and last names listed on this letter, it is imperative that you remove it. My only name is XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX My only address is XXXX XXXX XXXX, XXXX, GA XXXX. Please make sure you remove any address in your system which does not match the address listed on this complaint
Consumer complaint received 2023-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

My issue is with Equifax and how they have arbitrarily reduced my credit score with no basis for doing so and can not tell me why this has happened. I have had an excellent credit score for a long time with XXXX at XXXX and Equifax at XXXX. My available credit is over {$50000.00} ( 5 credit cards ) with a recent balance of {$0.00} credit used for many months. I created a single charge with my XXXX XXXX for {$210.00} on XX/XX/23 and then XXXX reported the {$210.00} balance as paid on XX/XX/23. On XX/XX/23 Equifax reported my credit score as XXXX.on XX/XX/23, and on XX/XX/23 my score was reduced XXXX points to XXXX. I called Equifax for an explanation on XX/XX/23 and spoke to an agent and several supervisors to get a reason for this. What they told me was I had a very nice credit report with no blemishes reported from any source going back as far as they could see. They also confided that they could not identify the reason for this action and that it is determined by their " alogrithm ''. The same kind of issue happened around 10 months ago then I paid off a {$2500.00} charge on XXXX XXXX. Equifax dropped my score by XXXX points while XXXX raised my score XXXX points. After sending in a written complaint to Equifax, three months later my credit score reduction was replaced with the proper increase to XXXX. This needs to be fixed! Your help is appreciated
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 

XXXX XXXXXXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX Account number # XXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT XXXX EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX