davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (OH)

For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : Equifax XXXXXXXX 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 XXXXXX/XX/XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hey Im writing this complaint because consumer reporting agencies have failed to remove dismissed bankruptcy from my credit report after its been remove from ( 1 ) bureau due to inaccuracies. I am aware this is a violation to my consumer rights & should be handled accordingly.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

XXXX trying to purchase a home and I realized I have damages on my credit report. According to the XXXX XXXX XXXX law there should not be any damages on my report it is a defamation to my character. XXXX XXXX XXXX {$770.00} XXXXXXXX XXXX XXXX {$820.00} Several attempts trying to have this company verify this debit. Which only a bill as verification has been sent to me. nothing proving ownership such as a wet signature which has also been request prior per federal law and XXXX XXXX XXXX this information shouldve been provided to prove ownership. Also this police report that has been attached shows that I was a victim of fraud which they neglected to review. This information has been removed from XXXX XXXX XXXX XXXX awhile ago because they really put in the work to investigate the inaccuracies.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not Authorize Account XXXX XXXX  XXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX  account XXXX. XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Good day, I wan na let you know that there's an inquiry on my credit report that I don't recognize, I did not authorize this or given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX Reporting Agency : TRANUNION 2 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX Reporting Agency : TRANSUNION 3 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX  Reporting Agency : TRANSUNION 4 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX XXXX Reporting Agency : XXXX
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi Bank closed my credit card account back in XXXX. Even though I could no longer make any purchase, I still had a balance and kept paying it off every month until XX/XX/XXXX, when I paid off all of my balance. After that last payment, I was no longer able to log into my account, which I thought it was because I paid off all of my balance. 

Last week I decided to check my XXXX XXXX account after it was reported to me that XXXX of my other account with another bank had been closed. There at my XXXX XXXX account I saw that there was still {$91.00} to be paid to Citi Bank from I dont know what. 

I immediately called Citi Bank since I no longer had access to my account and didnt know where this charge was coming from, my credit card account had been closed since XXXX and there was no purchases to it, and I had paid off all of my balance on XX/XX/XXXX. 

Citi Bank said that there was a fee because I did not pay the interest charge. Which interest charge? From what? That account was closed by the bank back in XXXX. I was no longer making any purchases for about a year. In fact, I was just paying off my balance. 

Yet, I wasnt able to log into my account since paying off my balance and wasnt aware of any other extra charge besides the balance I had which was paid off. 

Citi Bank said that I wasnt able to log in because my account was closed. But my account was closed all the way back in XXXX and until XX/XX/XXXX, I was accessing my account normally every month to make payments. How come that happened only after paying off all of my balance? 

Why Citi Bank did not notify me via phone, mail, email or text message, as they have always notified me in the past of any activity, regarding this new charge and fee? 

Only after calling and confronting Citi Bank, the bank started to send me notifications via mail, text message and email. Why I did not receive any notification from the bank regarding that new charge and fee between XXXX and now? I am attaching screenshots I have to support my complaint here.
Consumer complaint received 2024-10-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI (GA)

I sent the debt collection agency General Revenue Corporation a cease-and-desist letter. It was disregarded. The company is still in possession of and actively using my nonpublic information, and they are continuing to communicate with me via consumer reporting when XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), cleary states that a consumer report is a medium of communication and thus subject to cease-and-desist requirements.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy FCU is reporting a credit card on my credit report that is not mine. I would like this deleted from my account the person that this account belongs to passed away in XXXX. 

Authorized User Error This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. 
XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have been trying to remove fraud alerts and statements from both my XXXX and Transunion credit reports and I haven't been able to. I would like to delete all fraud alerts and statements from my credit reports
Consumer complaint received 2024-10-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

In XX/XX/year>, I opened an Apple Savings Account through Goldman Sachs, drawn to the advertised 4.15 % APY and the convenience of linking it with my Apple Card. On XX/XX/year>, I deposited {$2700.00} from XXXXXXXX XXXX, followed by {$250.00} from XXXX XXXX on XX/XX/XXXX, and {$1200.00} from XXXXXXXX XXXX on XX/XX/XXXX. By the end of XXXX, my balance exceeded {$5100.00}. Confident in Goldman Sachs ' promises of seamless account management and access to funds within five days, I made a withdrawal request of {$610.00} on XX/XX/scrub>XXXX XXXX However, this request was denied without explanation, despite the account holding more than sufficient funds. I tried again later that day, but the withdrawal was again blocked without reason. 

Over the next several days, I made multiple additional attempts to access my savings, including a nominal withdrawal request of just {$1.00} on XX/XX/XXXX, but all these transactions were denied. This inability to access my funds forced me to spend over three hours with Goldman Sachs XXXX customer service, being transferred through more than a dozen representatives. None of them could explain the restrictions on my account or provide a meaningful solution. 

As a result of these restrictions, I suffered significant financial harm. I was unable to make timely payments on my Apple Card, which led to accrued interest charges and a decline in my credit score. Additionally, I incurred a late rent fee because the funds I had planned to use was inaccessible. These outcomes align with findings from the CFPB 's recent enforcement action against Apple and Goldman Sachs. Specifically, the CFPB found that Apple failed to send customer disputes to Goldman Sachs and that Goldman Sachs failed to properly investigate or resolve these disputes. This breakdown in customer service mirrors my own experience, where repeated withdrawal requests and inquiries were met with apathy and a lack of resolution. 

My situation also raises concerns under the Consumer Financial Protection Act, the Truth in Lending Act, and additional federal regulations such as the Truth in Savings Act ( Regulation DD ) and the Electronic Fund Transfer Act ( Regulation E ). Goldman Sachs ' failure to act in good faith and provide access to my funds further constitutes a breach of the Uniform Commercial Code ( UCC ).
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP (ME)

In XXXX a friend and I bought a house in Maine with XXXX XXXX using an FHA loan. We were easily approved. The mortgage was then sold to another bank, US Bank. US Bank is the company I am having a problem with. 

The co-owner who bought the house with me in XXXX has since moved to another state and in XXXX I bought out his share of the equity so I could keep the house. We filed a quit claim deed and the property is now fully in my name. 

The mortgage, however, still has his name on it, so his credit is still tied up in the house. So I applied for an FHA loan Assumption with US Bank back in XXXX of XXXX to get his name off the mortgage. The application fee was {$900.00}. I was very thorough with my application, and they quickly pre-approved me because my income, credit etc were all well above the threshold required by FHA. 

But since this pre-approval they have dragged their feet again and again. They will not contact me or reply to call or emails for weeks, and then they randomly ask for more and more information - some of it seemly irrelevant or unnecessarily intrusive, i.e. asking about a XXXX purchase and money I donated to a XXXX for a friend whose son was in a terrible XXXX XXXX Those most recent queries were on XX/XX/XXXX by loan officer XXXX XXXX. Or asking to see my phone bills even though I have good credit and lots of money in my bank accounts. And, when I answer these sorts of questions, it takes weeks for them to respond, and then they say the underwriters need more bank statements, more documents, another profit/loss statement, more explanations. More diversionary nonsense. I would guess the email thread between myself and the loan officer is approaching triple digits. And I've made numerous calls to their office and am never able to talk to anyone who matters. 

US Bank keeps moving the goalposts. At this point they have 8 months of bank statements and 3 years of tax returns, and they're asking for more. What I've given them should be more than sufficient to prove i have the income and credit to assume this mortgage. 

I believe they are acting in bad faith and are hoping I simply quit bothering them so they can keep my money and not have to process the assumption. A lot of folks online are saying they're having similar problems ; interest rates are high right now, and banks don't make money off these assumptions so they try to stonewall their own customers in hopes they'll quit or try to refinance at a much higher interest rate. 

What they're doing is unethical, if not outright fraudulent, as they agreed to FHA rules when generating or purchasing the loan. I would bet anything that they rarely approve these assumptions no matter how easily someone qualifies. Or perhaps they saw two men on a mortgage together and take issue with it? Either way they are acting in bad faith.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (OH)

Someone got into the accountno fraudulent charges went thru and all of my information and passwords were reset. Sofi put a restriction on my account and cant tell me why or when it will be released. I want my money withdrawn and that account closed but no one can do that
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report and found the following items to be in error : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX  Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following XXXX XXXXXXXX account has been paid in full why is it reporting as verified and as my debt and it isn't. I would like for you guys to remove this from my report for this is defamation because their is no reason this should be reporting on my credit. I've mentioned to you guys that I am a victim of identity theft, my social security card has been stolen from me. An Account has popped up after being able to dispute the other accounts that weren't opened by me.
Consumer complaint received 2024-07-31
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. (IL)

I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I mailed letters on XXXX for the companies to rectify these inaccuracies and they have only used stall tactics by telling me to submit info to verify my identity, but I have already done so by submitting my ID with my current address, proof of a bill with current address, and social security card with the letters.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-11-28
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. (CA)

I need to resubmit this complaint to TRANSUNION. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions.

According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number XXXX.