davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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. (NC)

told XXXX, XXXX, and Equifax to reinvestigate these accounts. 
account name ; XXXX finance account number # XXXX account name XXXX XXXX  account number # XXXX account name XXXX XXXX account number # XXXX account name XXXX XXXXXXXX XXXX  bank account # XXXX account name XXXXXXXX XXXX XXXX  account # XXXX They stated everything was completed and accurate. 
but how is that if the open date, date of last activity and much more is incorrect. 
According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting to the agency correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-06
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)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-07-06
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
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. (NY)

Recently, i did an investigation on my credit report and i found this auto loan with a bank in XXXX XXXX i don't live in XXXX XXXX. 

XXXXXXXX XXXX - Account # XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (OH)

XX/XX/year> I filed a dispute with SoFi bank over the phone with customer service rep for unauthorized transaction for XXXX. 

I responded on XX/XX/year> via email with SoFi dispute agent request for information. I was informed no provincial credit will be issued since dispute was filed as refund or credit not received. XXXX charged my SoFi debit card after canceling order due transaction trigger a fraud alert. Then lock me out of my XXXX account after I confirm it was fraudulent. No charge reversal from merchant happen On XX/XX/year> I filed a complaint with Cfpb. I was told at XXXX merchant hadnt responded and that dispute was on going. Once I submitted the complaint with Cfpb SoFi bank retaliated against me and denied my dispute
Consumer complaint received 2023-10-02
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)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXXXX/XX/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
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/year> I received a XXXX figure wire into my business account ( $ XXXX ). The next day it was no longer listed as pending, so I submitted a transfer request online to move most of it to my personal account ( Balance approx {$1100.00} ). Within the hour both accounts had been frozen. Having been on the phone XXXX minutes, I was finally told that any direct deposits and autopay situations must be moved to another bank because these accounts would be under review for XXXX business days and then permanently closed. I was denied a reason for this action. Further, I am a widow with rent due and have no other resources. Chase continues to speak with me about this matter. The branch XXXX ( XXXX ) in XXXX sat with me on Friday, XX/XX/year>, and made several calls to ask about this matter. He received no answers either. XXXX requested a call to me from the corporate office to expedite the resolution of the matter that day. To date I have not received such call. Chase Bank is holding approximately $ XXXX of my money and giving me no answers. Someone along the way told XXXX I might expect a check in the mail by XX/XX/XXXX. 
Yesterday I sold my nice car to pay rent on time, as I have no other resources.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (MT)

I opened an account with Marcus at Goldman Sachs on XX/XX/year> and when I opened the account it would not accept my driver 's licence. I spoke directly with a customer service rep and was told that I would not have any issues because of that. I asked again for them to verify that under no circumstances would it prevent me from accessing my money and they said 'no, it will not ' ( I have screenshots of this interaction ). So I deposited my life savings ( XXXX XXXX ) into the savings account. The account sat and collected interest and so I wasn't checking it. At some point in the late spring I went to check on it and found that my account was locked. I had received no email or indication that it was locked. I called and they couldn't verify my identity because apparently they needed my driver 's license in order to do so. They told me to call back next week when they could send me to a specialist. When i did they said they were going to send me an affidavit of identity. My physical address is in a rural state so we do not receive mail directly to the house- we have a po box . I explained this and was told that a po box was fine and it would take a couple weeks max. I never received it. So, in XXXX I printed the affidavit and sent it to them. Once I was told they had received it on XX/XX/XXXX, I called on XX/XX/XXXX. I was transferred to a specialist as I had been before and was told that the affidavit could not be sent to my po box because it needed to be an address with my name on public record. Since beginning this long string of phonecalls, I have moved to a city but my current rental does not have my name on it either and the po box that I still have will not work for the same reason. I was never informed of this stipulation just as I was never informed I needed my drivers license and in fact was lied to about both of these things. I was told they were going to open a case for me to try and figure out how to get my account open but was given absolutely no time-frames for when this case opening will happen or when they will contact me. Based on their current track record of not communicating with each other when I call and giving me different information every time I call, I strongly suspect I will never hear from them again. Everything I have ever saved is in that account and I still don't know why it was locked. That money is my only safety net in case of emergencies and the longer this goes on, the more at risk I am of having an emergency that puts me into debt despite having XXXX XXXX dollars in this account that Marcus will not allow me to access.
Consumer complaint received 2024-08-16
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, Equifax XXXX XXXX XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. 

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.

3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights.

I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (CT)

I am writing to seek urgent assistance regarding an issue with my account. I received XXXX different direct deposit totaling {$500.00} from the XXXX XXXX XXXX XXXX, which I promptly reported as an error to Citibank. I called Citibank and reported the first deposit of {$330.00} as fraud. Then the XXXX XXXX XXXX contacted me and advised me they were a real company and it was sent in error. I also informed Citibank that I would be returning the funds to the sender, which I did. 

However, the following week, my account was over drafted by {$330.00} due to Citibank placing a fraud claim on the {$330.00} deposit, resulting in an overdraft of my account. I have provided Citibank with screenshots of my communication with the sender and a call log of my conversations with Citibank representatives. 

Despite following Citibanks guidance and providing all requested documentation, I have not received any assistance or resolution regarding this matter. I kindly request your urgent intervention to address this issue and correct the overdraft. 

Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution.
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: YKS Acceptance, Inc. (CO)

bought a XXXX XXXX XXXX in XXXX from XXXX 's auto sales in XXXX ; CO and was financed through XXXX XXXX XXXX XXXX and was paid off in XXXX. 
XXXX 's auto sales advertise 9.99 % auto finance. 
XXXX XXXX finance charges that stemmed from a refusal to negotiate car prices : XXXX also refused to negotiate prices with Me, but did negotiate with cash customers. The resulting finance charge should have been included in the disclosed cost of credit. 
Hidden finance charges included {$1600.00} for a required repair warranty and {$100.00} for a required GPS payment reminder device. I was told I could not take the car out of the state of Colorado without permission after I already sign for the loan and claimed I could not back out of the loan because of this condition of the loan I did call Herbies ( now called XXXX wise auto ) and contacted XXXX about this matter she confirmed my account and said her manger would call me but never did and now will not return my calls
Consumer complaint received 2024-07-06
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. (LA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

I encountered several challenges while attempting to open an online checking account at TD Bank. The bank locked my account, allegedly citing that I was committing fraudulent activities. Despite not receiving any prior notifications about suspicious activities, my account was closed without warning, and stated to " never call back and to " never step foot. As a result, I faced rejection at other banks due to this unresolved situation.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (VA)

PHEAA is reporting a school loan open on my account for amount of over XXXX. I have only attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That school loan has been forgiven due to XXXX for the amount of XXXX. PHEAA is reporting a school loan stating it was from XXXX years ago and I have not XXXX XXXX XXXX XXXX. I would greatly appreciate help with this matter.
Consumer complaint received 2024-07-31
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: TRUIST FINANCIAL CORPORATION (MD)

I have hard inquiries on my account from, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Truist Bank. They are holding me back from opening new accounts. I havent banked with any of them.
Consumer complaint received 2024-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to follow up on my ongoing case with Navient regarding my school misconduct student loan discharge application. While I appreciate the assistance provided by the CFPB that led to my application being acknowledged and marked as pending in my Navient account, I have yet to receive an official response from Navient regarding the approval of my discharge application. 

Moreover, XXXX of my private loans is currently marked as " suspended, '' and I recently received correspondence indicating that my loans will be serviced by XXXX starting in XXXX. Despite these developments, my primary concern remains the need for a full refund of all payments made on these predatory loans. 

My loans amounts have been updated to XXXX balance which is a step in the right direction however these loans were based on aggressive and deceptive practices and warrant a full refund. 

Background : I was enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was forced to close due to numerous violations, including aggressive and deceptive recruitment practices. The financial aid representative, XXXX XXXX, used predatory lending tactics to coerce me and my father, XXXX XXXX XXXX, into taking out these loans. These tactics included pressuring immediate enrollment decisions, misleading information about the educational services and employability of graduates, and obtaining our contact information through deceptive means. 

Given the aggressive and deceptive nature of the recruitment and lending practices employed, these loans are predatory and fall under the purview of the Department of Education 's regulations against such practices. 

XXXX XXXX XXXX XXXX : I have already successfully received a borrower defense loan discharge for my federal loans, including processed refunds. This outcome further validates the predatory and unlawful nature of the practices employed by The XXXX XXXX, and underscores the need for similar action regarding my private loans serviced by Navient. 

Request for Refund : In addition to the discharge of the outstanding loan balances, I am requesting a full refund of all payments made to Navient on these predatory private loans. The XXXX XXXX and the documented predatory lending practices used by XXXX XXXX XXXX justify this request. It is imperative that Navient acknowledges the harm caused by these predatory practices and refunds the payments to rectify the situation fully. 

I urge the CFPB to assist in ensuring that Navient not only processes my loan discharge application promptly but also issues a full refund for all payments made on these predatory loans. I have provided substantial evidence to support my case, and I am confident that the predatory nature of these loans warrants this action. 

Thank you for your continued support in addressing this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Velocity Portfolio Group (IL)

I filed a FTC and law enforcement report claiming that this account was not opened by me. Pursuant to FCRA 605B ( 15 U.S.C. 1681-c ) that account was to be removed or blocked. I never received verification of the account. I never received confirmation that I signed or notarized any statement claiming that account. I sent the company copies of my reports and they were ignored. I sent certified mail to the credit bureaus with my reports and they were ignored.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CO)

A company called XXXXXXXX XXXX charge XXXX account multiple times, including XXXX on XX/XX/year> through ACH. SoFi bank refused to credit me back. They " investigated '' the matter in only 24 hours and somehow came to the conclusions that it was valid. They never even reached out to the merchant to verify the charge.
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HUNTINGTON NATIONAL BANK, THE (WI)

My ex-husband recently died and had a car loan with Huntingdon Bank. We are still waiting for the court paperwork naming me executor of the estate, which will enable me to sell the car and clear the loan. I have made several calls to Huntingdon Bank to explain we are waiting for this paperwork. Today I received a phone from a XXXX XXXX at the " litigation division ''. Without any discussion from me, or apolgies for the loss of a family member, he started yelling that " they were coming for the Car '' and I needed to get a lawyer because they were taking me to court. This is completely and utterly unacceptable. I offered to give him the name of my lawyer, so he could check this was all legal. This was not Ok by him and I was told that my lawyer should call him immediately. Absolutely unacceptable after a family has faced a huge huge loss and is doing everything correctly.