davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX FUNDING Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX5 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX5 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2021-11-08
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. (FL)

XXXX XXXX and XXXX inquiry has report defamatory information about me to the 2 credit Bureaus on XXXXXXXX XXXX. I am challenging the incorrect information with XXXXXXXX XXXX and XXXX inquiry on my credit report is fraud. Where Experian clearly violated the law. Experian put on my credit report an account number that is not my and the balance is false. XXXXl monthly payment of the account that is completely false and incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX, Experian and XXXX decided to ignore my demands for Validation. Validation of the debt XXXX and XX/XX/2021. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX  account and the inquiry with XXXX violation of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (TX)

**Background** 1. I was skeptical of an Online only bank to perform interactions 100 % via web.. But did 2. After loosing my wallet, several unauthorized charges appeared on my acct.

3. AXOSbank cancelled my card without ANY consideration of needing access to funds.

4. AXOSbank 's policy is it takes 7-10 days to get a replacment card.

5. With not brick and mortars, seemingly not a single competent bank is employed with AXOS, as who can survive without $ $ for 2 weeks waiting on this snail mail process.

**New Issue** 6. I reported unauthorized ( recurring ) charges to my account and referenced it was from the previous fraud... As I remember the vendor being the same ( XXXX? ) 7. AXOS again deactivated my card without a single bit of notice to the consumer... 
8. I am again without funds while that mess gets sorted out.

**Burden from Axos** 9. Axos can not /willnot provide anything other than pompus virtue singling assistance via there chatt... I DO NOT NEED CONSOLATIONS, I need results/actions.

10. In an attempt to transfer $ $ to a prepaid visa card, I make a purchase and attempt to make a bank transfer to this acct... Axos rejects.

11. I am working overtime, running around the house 7 times in effort to supplement Axos ineptitude of banking competency & get access to funds.

12. Without ability to pay my motel bill and now homeless without access to any ov my $ XXXX 
13. While I am very disgusted with AXOS 's business model and needing to find a replacement bank ; I still need access to $ $ via debit card transactions and was trying to find another bank to open an acct.

12. Axos bank sends me a letter telling me they have cancelled my acct ... and they will be mailing a cashiers check to the address I am no longer at and has been the source of 2 separate frauds.

I need my $ $ and need a competent exec to speak with about getting those funds wired to another bank!!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Santander Consumer USA Holdings Inc. (FL)

Received an unsolicited refund XXXX  from Santander Consumer USA in the amount of {$3.00} for overpayment or credit balance on an account for which I am supposedly the owner/consumer. I do not know what account this refers to, if any at all. I do not want to activate the account because it requires a {$3.00} monthly fee for activation and I do not need or want another credit card service accruing fees for which I receive nothing, or at most the actual {$.00} refund. I want my name and account number removed immediately from this company and assurances that this unsolicited account will not impact my credit score. 

I have tried calling both of the customer services phone numbers on the card and accompanying literature and there is no way to discuss the issue with a live person or resolve the issue. 

I am a senior who wishes to make better use of my remaining lifetime than having to deal with phony gimmicks and scams to steal my money, Thank you for any help.
Consumer complaint received 2021-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (IN)

Hello, My deceased parents left my brother & I several Trust Funds being managed by Wells Fargo for almost 21 years. I have terminal XXXX and since XXXX have been asking the Wells Fargo to put in writing the account numbers with the account names which will pass down to my son after I pass away. They have sent me the account names but not the account numbers! They have shown preferential treatment to my brother, because he gives them more money from XXXX XXXX XXXX XXXX  The XXXX sales person / stock broker XXXX XXXX of Wells Fargo XXXX has verbally told me that my son will get about {$1.00} XXXX from XXXX trust and about $ XXXX from another but they refuse to put this info in WRITING! My attorney, XXXX XXXX of XXXX XXXX XXXX XXXX was also unable to get this info in writing.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MoneyLion Inc. (CA)

Two loans were taken out in XXXX of this year under my name without my authorization or permission. I contacted Moneylion immediately to dispute these loans. Moneylion has not closed the loan accounts and now they are showing up as delinquent and affecting my credit score. I reached out again to Moneylion several times and have not gotten any updates or issues resolved.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have disputed these items several times and also I have reported XXXX XXXXXXXX to the Nation Credit Union Administration also I will be making an OCC complaint followed by and Attorney General Complaint if I am unsuccessful with remedy this time.
Consumer complaint received 2021-11-07
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. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Wrong Name : XXXX XXXX  XXXX WRONG DATE OF BIRTH : XXXX  WRONG ADDRESS : XXXX XXXX XXXX  XXXX, MD XXXX
Consumer complaint received 2021-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. ()

Date I pay money for recharge XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Total I pay XXXX to recharge After recharge they block my XXXX numbe. I try to contact with other number but he didn't talk to me and didn't give my recharge money back
Consumer complaint received 2021-11-07
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NY)

Hello, To whom it may concern someone fraudulently applied for a credit card in my name. They never were able to verify my identity so there was no account open. However I had an unknown hard inquiry on my XXXX report from Citi Bank NA Best Buy on XX/XX/XXXX which brought my credit score down through no fault of mine, which was flawless prior to this. I tried to dispute it online the next day but wasn't successful. Next I called XXXX and explained the whole situation to the representative. He informed me that I would only be able to get it removed with a hand written cover letter explaining the situation and some documents ( social security card, two forms of personal ID, bank statement, Federal Trade Commisioner report ). As requested I mailed them right away and called them to find out, was informed this can take up to 2 weeks for them to recieve. I checked again in 2 and even 3 weeks but they still claimed that they never received it. They asked me to resend it or fax it so I went to my local bank and asked them to fax it for me as I do not own a fax machine. Then they said they received it but are still unable to remove the inquiry due to some issue which they didn't explain very clearly why. I have then tried to call Best Buy credit services and spoke to the representative, he claimed that he understood the situation but then after putting me on hold for 40 minutes I had another credit inquiry from the same company on XX/XX/XXXX. When I asked him why that is he said not to worry and that both inquiries will be removed however they are both still there to this day and my score is down even more. I went to my local Citi Bank and explained the situation to the banker on premises. He sat with me for 4 hours trying to call every department and also had no luck achieving anything despite this being his profession. I think this situation is absolutely crazy and extremely unfair to me that I spent the last 4 months calling countless amounts of times, being on hold, repeatedly mailing papers that they claim they don't recieve on the other end and explaining the same situation over and over to people who don't even seem to try to understand what I'm saying and as a result just want to either transfer me to someone else or hang up faster. I really hope Consumer Financial Protection Bureau can step in and help me with what seems to be an endless problem for no wrongdoing on my end. I even received a letter from Best Buy credit services saying that I am a victim of fraud which I mailed to XXXX but they also seemed to ignore it. I will attach it here as well.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

Apple Card disputes not being correctly handled. 
- Made disputes on card in XXXX reference a payment to XXXX. Was found in my favor XX/XX/XXXX. As per Apple Card request changed card number etc. XXXX charges were denied as using wrong card number. Then as of XXXX Apple Card has been paying the same transactions they denied previously and no one at customer support will help. 

- also Disputed payment to online retailer who failed to deliver item. Got no response from merchant when tried to get refund as item hadnt arrived. Item wasnt shipped as per the retailers own system for tracking shipments, so simple dispute. Heard nothing from company raised dispute with Apple Card weeks later. No update. No credit to my account. No communication at all. Been months of being stonewalled by Apple Card. 

No communication from dispute department. They dont seem to make refunds for amounts found in favor. Rather they remove the disputed amount from clients available balance - then charge it back if found in favor. This means were paying apple for the disputed amount won in the consumers favor. Customer service admitted this was the case but stated no one ever complains about it.
Consumer complaint received 2021-11-07
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. (DC)

Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my XXXX account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 

I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX. THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (KS)

I just received a letter from a debt collector by the name of Convergent Outsourcing , Inc . They say the creditor is XXXX XXXX. 
Amount {$120.00} Account numberXXXX Convergent account # XXXX I already informed XXXX of this false information because I had received another letter and called XXXX to see what they were talking about. They couldn't find anything and we had determined it was the scammers that had been contacting me since XXXX when I switched to XXXX and when the Cyber attack happened. More they sent a letter that I'm in collections with a phone number, address, and it states no online pay available. I called the toll free number they have on the letter but it is closed today in the XXXX hour on Sat XXXX XXXX. I have not ordered anything new with XXXX ; earlier in the week l when I spoke to the the XXXX expert and gave him the account number he couldn't find any account tied to me. These people are emailing, calling, and texting everyday! It is starting to become confusing when it is really XXXX emailing me. At this point I'm missing out on real, actual emails and opportunities from XXXX without extensive research. They call, text and email all day while I'm at work. It doesn't matter if you block the calls, they will go generate another number. They are and have disturbed the little peace I have left. It has become really stressful while I'm at work and when I'm trying to enjoy my time off with my family. I have more calls and texts from them than I do from people I know. They refer started calling my other numbers that my children have under my account. And they are using local area codes. With XXXX as the caller id.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-24
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. (TX)

I have requested from : Equifax, XXXX XXXX XXXX to removed accounts preventing me from getting housing in accordance of the fair credit reporting act. they did not respond accurately. the person and consumer XXXX XXXX XXXX, makes this complaint by the following laws : fair credit reporting act, 15 U.S.C. 1681 section 602 ( 4 ) ; consumers right to privacy.

fair credit reporting act, 15 U.S.C. 1681 section 603 ( a, b, c & d ) ; the individual making this complaint is a person and consumer seeking relief from information provided by credit reporting agencies.

fair credit reporting act, 15 U.S.C. 1681 section 604 ( ( a ) ( 2 ) ) ; in accordance with the written instructions of the consumer to whom it relates.

Please remove the following accounts from my credit report provided by the 3 credit reporting agencies ; in the open and closed status, current and in collections status and any comments left by any of these companies. I am a victim of consumer exploitation and disability thru the unemployed pandemic and these accounts are keeping me from getting housing and other prosperous necessities in regard to financial timing. my rights are being voilated. 

XXXX XXXX XXXX acct. ending in XXXX, credit card, legitimate. 
XXXX XXXX XXXX acct, ending in XXXX, credit card, legitimate. 
XXXX XXXX acct. ending in XXXX, consumer dispute not resolved charges are not legitimate. 
XXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX  acct. ending in XXXX, consumer dispute not resolved account was current when closed. 
XXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX  acct. ending in XXXX, unknown account. 
XXXX, XXXX  XXXX acct. ending in XXXX, consumer dispute not resolved, payment attempted but not accepted. 
XXXX XXXX XXXX  acct. ending in XXXX, credit card, legitimate. 
XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX  acct. ending in XXXX never did business with this bank connected to credit repair agency. 
XXXX acct XXXX ending in XXXX, unknown account.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We own a XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.