davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

Dear Sir/Madam, I am writing to formally file a complaint against US Bank regarding their refusal to close my bank account despite multiple requests. Below are the details of my account and the issues I have encountered : On XX/XX/XXXX I opened an account using my mobile phone On XX/XX/XXXX i deposited a check of XXXX $ from the XXXX XXXX California department XXXX XXXX XXXX XXXX Check number XXXX I deposited the check thinking that everything was gon na be good once I came out of my XXXX. They held the check for more than a month sending me a letter that it was going to be available on XX/XX/XXXX. They send me a debit card and a pin number But when I try to activate the debit card it denied I had to call several times to fix the issue by providing all my information as my Social Security number and my date of birth my address And Having all this information of verification, my phone is on file with the account number, so that will be XXXX ways of verifying me, and they still denied the closure of my account or unlocking my debit card I called several times customer service I have dealt with department several times that they dont know what to do and all I want is for my funds to be available so that I could pay for my medication right now that I have a XXXX XXXX and health condition I have told them that I can not go to the branch at the moment because I am in the XXXX  and I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX specially because of the pain of the meds and because its really overwhelming at this point to be going back-and-forth to the bank just to make someone happy over there. I spoke with several customer service agents and fraud agents And some of them dont even know why my account is locked. Ive been telling them that I can not walk because due to a recent XXXX  XXXX, I am XXXX  XXXX  and undergoing XXXX XXXX which makes it extremely difficult for me to handle in-person banking activities. I have made several attempts to close my account remotely by contacting US Bank through written and verbal communication, but my account remains open. And they wont let me get to my funds or close my account. 
I have ensured that all pending transactions and balances are cleared and have requested that any remaining funds be sent to me via check. To the address on file and Despite this, the bank has not complied with my requests. 
I seek your assistance in resolving this matter promptly as it is causing me considerable distress. I would appreciate if the CFPB could intervene to ensure that US Bank closes my account and returns any remaining funds to me as requested. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (CA)

Originally the XXXX Bank made it very difficult to transfer funds from the accounts creating arbitrary roadblocks and developing new reasons for not honoring a wire transfer. After I complained and that I might file a complaint with the Federal Government, the froze the accounts, blocked by online banking, and filled an erroneous complaint with the XXXX XXXX XXXX of AZ.
Consumer complaint received 2024-10-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (PA)

On XX/XX/XXXX, I purchased a Vanilla Gift Card valued at {$450.00}. Unfortunately, the next day, the card was lost and subsequently reported missing by someone else. I promptly contacted Vanilla customer support and was provided with Case Number XXXX. They instructed me to send images of the card ( front and back ), the purchase receipt, my ID, and proof of address to their designated email. 

On XX/XX/XXXX, I submitted all the requested documents as instructed. Over the past few months, I have sent multiple follow-up emails, but I have not received any response from Vanilla. Each time I called to inquire, I was told they did not receive my documents, despite my having re-sent them several times.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist bank advertised a bonus offer of {$400.00} for opening a business checking account with qualifying deposits of XXXX or more. 
I applied for the offer and for a mistake my first check bounced which I tried correcting by depositing second check in the amount of XXXX. 
The check cleared on XX/XX/XXXX and I thought everything is good now. 
To my surprise I received a letter from Truist in the first week of XXXX that they have blocked my account for suspicious activity. 
It has been more than XXXX days and I get vague replies from their customer support each time I try to call their department. 
There is no competent business analyst and they have no reason to close/ hold the account and deny me the XXXX $ bonus along with holding up my XXXX $ for more than XXXX  days now.
Consumer complaint received 2024-08-27
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. (GA)

Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( Equifax ) Accounts Name : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is reporting an erroneous NON EXISTING item ( Bankruptcy ) to my consumer report that they are claiming is verified when the furnisher ( XXXX ) has conducted an investigation after i disputed the item and they deleted and removed the item ( SEE ATTACHMENTS ). Furthermore, i never gave permissible purpose to furnish any negative item to my consumer report, much less an item that can not be actively verified! I have disputed several times with TransUnion yet they continue to reflect this outdated/ erroneous item which is directed violation of my rights as a consumer. This suggests willful non compliance after my request for maximum accuracy. This inaccurate reporting of this item has caused a severe damage to my credit worthiness. I am requesting this item ( Bankruptcy ) be DELETED and REMOVED from my consumer report.
Consumer complaint received 2024-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ALLY FINANCIAL INC. (CA)

I had an account at XXXX which was acquired by Ally several years ago. The account just sat. I attempted to login last week and was unable to do so. I called and was asked a bunch of questions about information they said they pulled from public data. They told me they were unable to verify me, despite the fact that I had verified every piece of personal information. They denied me access to the username and password to login to the account that I have had for many years because I don't recognize some random information they pulled from wherever. I was told that someone would call me. NO one called. I got an email saying to call in again. So I did .... same thing with questions about random information. I was told again that someone would follow up with a call. I got no call. I got another email saying to call back again. So I did... Same thing with questions about random information and then I was told that I had to send them documentation to prove who I am... ..based on the fact that they pulled random information that I don't recognize. I asked them to escalate the matter. I was told that I would receive a call from someone to assist. No call. Today, I received another email saying to call back again. So I did... I was told again that I needed to send in a Driver 's License and Social Security Card. Who said that I have a driver 's license? Everyone does not drive. So I was told by XXXX that I needed to go get a state-issued ID or passport or they would not allow me to access my account. I asked XXXX to escalate the call, and he refused. He said that he would not do anything to help until I went to get a state-issued ID or passport and social security card. Naturally, I called my attorney who advised me to call back and just take a wild guess at the questions about random information prior to taking legal action. I spoke with XXXX. XXXX advised that he was unable to ask me the questions about the random public information data that came from wherever...
Consumer complaint received 2024-08-29
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX reported my nonpublic personal information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from the institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting the method each consumer reporting agency use to investigate this account
Consumer complaint received 2024-10-17
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. (TX)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$1200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-10-20
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION (SC)

I was notified via email from my bank 's credit report that there was a new account opened with a private student loan company. I currently have one loan opened for repayment. I logged into my account to find a newly opened application for one of my previously attended colleges for {$32000.00}. I contacted the loan company and they were able to cancel the account and assist with placing a fraud alert along with the cancellation. I rechecked my credit report from my bank and was notified of a social security breach on the dark web.
Consumer complaint received 2024-10-17
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. (CA)

I recently have looked at my credit report after a long time and found many fraudulent accounts reporting in my name. These accounts are identity theft and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, and I demand my rights as afforded to me by the FAIR CREDIT REPORTING ACT. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit accounts, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a CREDIT REPORT from each credit bureau in regards to the fraudulent use reflecting on said credit report. Also, I would like to point out, there are MULTIPLE accounts with negative information that all have the same open date and all appear to be from the same original single account, but however now are reporting as XXXX separate accounts on Transunion ( acct # 's : XXXX and XXXX ). On XXXX, XXXX accounts reporting, acct # 's : XXXX and XXXX ). And on XXXX, Reporting as XXXX account, ( ACCT # : XXXX ) All of those accounts are FRAUDULENT and should be removed within the 4 day period that the FCRA outlines under my rights as a consumer. The remaining accounts required to be removed are as follows -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If u fail to grant me my rights under the law, I will be forced to consider litigation. Thank you for your quick response.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Consumer Name XXXX XXXX credit XXXX XXXX XXXX XXXX Balance XXXX Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Balance XXXX Consumer name XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Balance XXXX consumer name XXXXXXXX XXXX XXXX  ssn XXXX XXXX XX/XX/year> balance XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION HAS STOP MY DISPUTES ON XXXX ACCOUNTS AND XXXX HARD INQUIRIES THE ACCOUNTS I WANTED TO BE DISPUTED AND BLOCKED KEEP IN MIND THESE ACCOUNTS WERE NEVER BLOCKED BY TRANSUNION BEFORE AND THE ACCOUNTS I WANTED TO DISPUTE AS FRAUD/IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION HAS BLOCK MY ABILTY TO DISPUTE ACCOUNTS ONLINE AND IM UNABLE TO DO SO
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.