davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I have over {$100000.00} of Assets at this bank and they have still not resolved this issue. 
My money is frozen here and online access has been terminated. No letter or Email has been sent to me regarding this issue. The compliance officer assigned to this case has not responded to my Email. Please send this concern to the Office of the Predident or internal affairs for investigation. I am no longer contacting this bank by phone since customer care is unable to assist or provide a status update. If this issue is not resolved I will be filing a criminal report with the help of the CFPB for trade law violations and non compliance issues. Holding money hostage for no reason is a Federal Violation. Please escalate my concern to the Predident of Huntington Bank for proper resolution otherwise I will never get this issue resolved. The last time this type of issue happened with this bank it took me over 6 months of calling in to finally get the issue resolved and I don't have the mentality anymore to deal with this stress and worry they have caused. If the CFPB is unable to get me in contact with the proper team I will be forced to file a lawsuit with this bank.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried to dispute incorrect information on my profile with transunion and XXXX because my credit reports do not coincide with one another and also has inaccurate information. There are a bunch of hard inquiries on both reports that are not accurate and needs to be deleted. Under 15 U.S. Code 1681 I am fully entitled to a fair/accurate credit report and the bureaus have the obligation to provide the necessary documentation proving the accuracy of the items. Neither bureaus have fulfilled there obligation in providing that information. I managed to get rid of hard inquiries with experian that were inaccurate information but transunion and XXXX refused to assist with the situation.
Consumer complaint received 2024-07-21
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. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-12-01
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)

I am writing to express my utmost concern and frustration regarding the multiple unsuccessful attempts and delayed removal of fraudulent items from my account with Credit Bureaus. Despite numerous communications, the unauthorized transactions remain on my account, and the lack of swift action is causing significant distress. 

Discovered unauthorized transactions on my account statement. 
Immediately reported the fraudulent items to your customer service department, providing all necessary details. 

Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions. 

Followed up with customer service to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items persist on my account, causing additional stress and concern. 

This extended delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities. 

I urgently request the following actions : Immediate and expedited investigation into the fraudulent transactions on my account.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed. 

Compensation for the inconvenience, stress, and potential risks associated with the delayed resolution. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$7500.00} XXXX, XXXX, Y XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$9700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-01
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-12-01
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm personally filing this complaint regarding late payments on my credit record. Upon review, I found these late payment entries. I sent letters about this issue over a month ago but have received no response or adequate validation. I'm seeking your help to address this situation.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I am writing to formally file a dispute regarding multiple inaccuracies on my credit report that have been reported by the following agencies : XXXX, XXXX, Equifax, XXXX, and XXXX XXXX. Despite submitting requests for reinvestigation to these bureaus, no corrective action has been taken, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I attached the letter from the Bankruptcy Court with each reinvestigation letter. 

Reference # XXXX Inaccuracy : Date Filed/Reported ( XXXX and XXXX date is XX/XX/year> and Equifax date is XX/XX/year> ) Inaccuracy : Reference #, Closing Date and Court Violation : This inaccurate reporting violates FCRA 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate information. 
Violation : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information. 

I have submitted letters for 6 months requesting reinvestigation of the above inaccuracies to XXXX, XXXX, Equifax, XXXX, and XXXX XXXX, but no corrective action has been taken, nor have I received any updated results.
Consumer complaint received 2023-12-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to dispute the following information that appears on my Transunion report from XX/XX/year>. 
Collection account from XXXX with account # XXXX and a balance of {$15000.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

The original creditor is XXXX XXXX. 
Upon review of my updated credit report, I found this account to be in error. I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: OneMain Finance Corporation (CA)

On XX/XX/23 prior to sending my request for credit with One Main Credit Co I placed a call to inquire whether the the credit request would be a soft or hard inquiry and received confirmation that it would be a soft inquiry with whom ever I was speaking with., now the very next day XX/XX/23 at about XXXX XXXX XXXX while checking on my credit profile I see a hard quiry from One Main Credit on my credit file, I'm very upset of the misleading effet they generate with me and consumers as a whole, I then placed another call to them to now been told that it was to be a hard inquiry and I then request that it be immediately removed for the misleading information generated and harm it caused to my credit file ... ..they proceeded in giving me the run around by transferring me from one person to another without resolving my issue thus my complaint.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I am writing to file a formal complaint concerning the denial of my American Express credit card application. My application was declined on the grounds of my refusal to provide financial records. This requirement was imposed despite the fact that there exists no prior business relationship between American Express and myself. 

Following the denial, it has come to my attention that American Express may have misrepresented my credit history to justify their decision. This action not only undermines my trust in their processes but also suggests a deliberate attempt to obscure the true reason for denying my credit extension. Such practices raise serious concerns about transparency and fairness, suggesting a violation of my right to equal opportunity in accessing financial products. 

Moreover, it is important to note that American Express, as a company that generates revenue through account receivables, operates within the realm of issuing securities. By electronically signing my application, I was, in essence, tendering a security. This element of the transaction highlights the significance of the application process and the responsibilities of American Express to maintain integrity and fairness. 

This complaint is being submitted to request a thorough investigation into the practices of American Express regarding the handling of credit applications and the alleged fabrication of credit history narratives. It is crucial that consumers are treated fairly and with respect, especially in matters as significant as access to credit. 

I trust that the Consumer Financial Protection Bureau will consider this complaint seriously and take appropriate action to ensure that consumer rights are upheld.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/2023 sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that American Express STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to American Express on XX/XX/2023 : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TFS FINANCIAL CORPORATION (OH)

I'm writing you today regarding my mortgage loan held through Third Federal Savings Bank. The mortgage balance {$9800.00}. 
I was behind on my mortgage and received a summons for court dated XX/XX/XXXX. 
I summitted a letter to the court XX/XX/XXXX. 
I received a statement from Third Federal XX/XX/XXXX Advising me to pay {$5300.00} by XXXX XXXX. This amount was paid on XX/XX/XXXX. To reinstate my mortgage. 
I confirmed with the staff that the payment was made once again confirming that my mortgage was reinstated and current. 
However I was told that I still owed attorney fees and court costs of {$4500.00}. I asked why since this never went to court. 
The amounts they wanted could have paid off my mortgage in full {$9800.00}. 
The mortgage payment includes escrow which was never offered to me to include in the modification that I did in XXXX. 
Today XX/XX/XXXX th is the anniversary of my husbands passing suddenly at work at XXXX. As a widow I'm trying to do the right thing by working XXXX jobs however my other job wasn't putting me on the schedule leaving me with only the XXXX job. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the summer there is not a job for me there not being out on a schedule at my second job created many hardships. 
With the State of Ohio the maximum fee is {$3400.00} and that is for a completed foreclosure. 
I have sent XXXX letters one to the bank, attorney, and the CFPB Facing this has lead to stress and health issues but I still go to work.
Consumer complaint received 2024-07-20
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.