davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2023 I login into my allybank.com account and notice there was several unauthorized transactions that happened on my account from a merchant called " Binance US ''. I called that same day to report this activity, and they ended up blocking my account because they were not able to verify me but also told me they noted down all of the 9 transactions this merchant did as fraud in order for the investigator to also look into.

It's been over 2 weeks and they still haven't said anything about the fraud transactions that happened on my account. They refuse to give out any information and keep saying over the 50 times I had called them they are " looking into it ''. I need my money back ASAP.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, 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)

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 | Account Number XXXX XXXX | XXXX XXXX XXXXXXXX - | XXXX XXXX XXXX. | XXXX | XXXX XXXX | XXXX XXXX XXXX XXXX XXXX. 

XXXX | XXXXXXXX XXXX XXXXXXXX | XXXX XXXX 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 2023-05-16
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following accounts are not mine, I did not open any of them, and I am not a debtor : XXXX  XXXX ( account # XXXX ) and XXXX XXXX XXXX ( account # XXXX ).
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due XXXX XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX  XXXX Account Number : XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Balance : {$6700.00} XXXX  Account Number : XXXX Balance : {$1500.00} XXXX  XXXX Account Number : XXXX Balance : {$730.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$560.00}
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-16
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (TN)

As of XX/XX/XXXX, I contacted Navy Federal Credit Union, regarding the maturity date of the loan. I was advised the last payment was on the month of XXXX of XXXX. I started payment on this used car auto loan as of XX/XX/XXXX, the loan term was 72 months, due to financial difficulties including during the covid lockdowns I had no choice but to request a deferral, I was advised those payments will be added to the end of the loan, therefore they extended the loan from 72 to 82 months, which documents of the deferral were not available to me during that period. When I contacted the bank on the above date mentioned, I asked if the last payment is on XXXX why do I have a balance left of XXXX, they said thats from the deferred payments owed including interest. This is extremely confusing to me since the bank is trying to get me to pay by XXXX that lump sum or refinance and pay XXXX $ for 24 additional months that would be a total of 8 years and 10 months which is longer than 82 months. Since XXXX I have requested documentation regarding the deferral, such as when I requested the deferral, when I started payment and when does payment of deferrals end. I was told XXXX times by XXXX different agents including a supervisor the documentation has been mail and I will receive it in 7-10 business days. I contacted the bank today XX/XX/XXXX because XXXX yet to receive the documents. I spoke to a supervisor and she sent them in my banking mail center today since I havent received them by mail. Im still questioning why they extended the loan for 82 months only to add additional months. I was also explain I was being charged everyday interest for those deferred payments. I understood during Covid shutdown getting a deferral would help but instead is hurting me because I have one income and thats XXXX. I shouldnt owe nothing else after 82 months. I need guidance I believe NFCU is taking advantage of me. Also because agents didnt have a way of explaining for my purpose I recorded the conversation. I attached what I received today from my online banking.
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC (TX)

On XX/XX/2023 I am getting a car with carvana. When I first started the paper work I signed up for the short warranty and was given an XXXX XXXX. Before I finshed the paper work and gave my down payment I ask if I could take the warranty. I was told if I did that they would have to start the paper work over and the system might ask for more verification paper work to be sent in. I think that was just a tactic to keep the charge on my account. Carvan pushed my delivery of my car back twice. Sending me out two different sets of paperwork. On there app it has my XXXX XXXX I called them and ask them to send me out paperwork with the updated XXXX of XXXX not XXXX XXXX they told me the XXXX XXXX was a mistake and XXXX would stand. I told them thats is a bait and switch and they could not do that. I Also told them I had not signed the new paper work and since the car had to been delivered the old paperwork did not count. They told me nothing could be done I ask for managers and was denied. I ask again and was told I would have to wait 24-48 hours for a call back. I told them u would file a claim and they disregard me and pushed me to the side there custom service is horrible and they only tell you take the car or go some where else and buy one
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services (OH)

On XX/XX/XXXX and XX/XX/XXXX, the Consumer completed an online credit application providing 2 accepted credit cards ( the Consumer 's Social Security Number/Card and the Consumer 's Driver License Number/Information ) pursuant to 15 U.S.Code {$1600.00} ( m ) to the Lendmark Financial Services LLC for the purpose XXXX obtaining money on credit. After completing the application the consumer was both a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code {$1600.00} ( p ) and was " discriminated against '' by the Lendmark Financial Services LLC pursuant to 15 U.S.Code {$1600.00} ( a ) ( 3 ). Furthermore, the Lendmark Financial Services LLC has obtained the consumer 's, consumer report under false pretenses pursuant to 15 U.S.Code $ 1681q and without permissible purposes pursuant to 15 U.S.Code $ 1681b
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Bank of America XXXX XXXX XXXX XXXX, FL XXXX XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX REPORTED SSN/ID : XXXX Drivers License : XXXX STATE : TX Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$220.00} Closure Status : PAID IN FULL Closure Status Date : XX/XX/XXXX XX/XX/XXXX Bank of America, The above entry where SUSPECTED FRAUD ACTIVITY . is being reported by you ( BANK OF AMERICA ) to reporting agencies since XX/XX/XXXX which is not only inaccurate but false. 

A simple overdraft does not constitute fraud. Moreover, any fraudulent act must also demonstrate intent. This is why that BANK OF AMERICA must produce any and all documentation that would warrant suspected fraud. Suspected fraud without documentation is not fraud at all thus BANK OF AMERICAs intent is to cause harm to me the consumer in this case. When did BANK OF AMERICA notify me, the consumer, of this adverse information as required under FCRA. 

Since EARLY WARNING SYSTEM has repeated the inaccurate information, this has caused additional harm to me, the consumer. 

This false information has caused me financial and mental harm since you ( BANK OF AMERICA ) has refused to correct or delete this false information. I am unable to open another checking account due to the SUSPECTED FRAUD ACTIVITY that BANK OF AMERICA has noted on this closed account without any documentation demonstrating fraudulent activity. I demand that BANK OF AMERICA forward valid documentation of fraud or delete the account as required under FCRA. 

I am demanding that you ( BANK OF AMERICA ) provided accurate documentation of fraud activity to me with regards to this issue or delete this information and halt reporting this inaccurate information to the reporting agencies, XXXX XXXX XXXX & XXXXXXXX XXXX, with in thirty days of receipt of this letter. 

Failure to do so as required under FCRA, I will seek {$1500.00} per day from the time you ( BANK OF AMERICA ) began reporting this false and inaccurate information, XX/XX/XXXX, until it is deleted. 

BANK OF AMERICA, provided me with accurate documentation or delete the erroneous information and send me a copy. 


XXXX XXXX Cc : State Attorney General Consumer Financial Protection Bureau XXXX XXXX XXXX Federal Trade Commission
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Caribou Financial, Inc. (GA)

I applied for my auto loan refinance. However, I was rejected because of my status in the United States. I provided them with my latest XXXX which is my status to study in the United States which states I am studying and my graduation is XXXX, 2024. They rejected me for the fact that I don't have the status after XXXX, 2024. 

I can provide you my XXXX. 

I contacted the lender and this is what he said back in an email. 
" lending partners underwriting criteria requires that a student visa be valid for the length of the loan ; unfortunately, your student visa expires in XX/XX/ 2024 before the term of the loan would end. The lending partner will be sending you an Adverse Action Notice within 30 days detailing the specific reasons your application was declined. The notice will also include specific instructions on how you can obtain a copy of your credit report. '' I feel this is discrimination based on race and status.
Consumer complaint received 2023-06-01
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. (WA)

XXXX XXXX XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and XXXX and the account has not been removed.
Consumer complaint received 2023-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX  The dispute for the account with XXXX  XXXX that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XXXX XXXXXXXX XXXX  Report Number : XXXX Account Number : XXXX Company XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX WHAT NOW? 

We'll notify you when all of your pending disputes are complete, and the results are ready. To see your most recent updates, please check your updated credit report. 


Have requested to get me the proof that this is my account? So far no Answer from XXXX XXXX or from XXXX. I am shopping for a Used car and now having a tough getting a car loan approved as XXXX decreased my FICO Score by XXXX points. 

Unable to write to them or call them There Calling center is closed. Always closed. 

All I get is an answer from XXXX we checked and XXXX XXXX says the report is correct. So, this report stands on my Credit report, now every other Credit agency XXXX XXXX and Equifax also lower my Fico scores. 

Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? 

Respectfully, XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (MA)

I requested a balance transfer from my XXXX XXXX Credit card, for {$13000.00} on XX/XX/2023 to my Apple Goldman Sachs Mastercard. However, I made a mistake as there was no balance due on this card ( the balance due was on a different card ), with a result of a credit of {$13000.00}. I called Goldman Sachs to have this balance refunded or sent back to XXXX XXXX. They refused, they said the it was frozen by the fraud department. I called several times but they refused to allow me to submit any documentation to show the transfer was legitimate. They said their fraud department does not talk to consumers.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an email from XXXX XXXX that I have a new hard inquiry that I don't recognize from XXXX XXXX ( Bank ).
Consumer complaint received 2023-06-01
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: OneMain Finance Corporation (MD)

Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Onemain Financial XX/XX/XXXX