davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

-I have reached out to the company and credit bureaus more than 10 times -filed complaints with all credit bureaus -filed complaint and dispute with FTC -filed complaint with CFPB -sent disputed certified mail, more than once, spend money on mail CITI is sending the information to a address in XXXX Ca and was not able to verify me because it's not my account someone is using my info but different address and number
Consumer complaint received 2023-09-15
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. (TX)

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. On XX/XX/2023, I sent a letter to XXXX, and On XX/XX/2023, I sent the same letter to TransUnion to validate the information with the Original Creditor. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. '' I received my XXXX report, and a bankruptcy was not listed on my file. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation, according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 2024-06-18
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: JPMORGAN CHASE & CO. (OH)

XXXX XXXX XXXX, JPMCB AUTO FINANCE and XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XX/XX/year> JPMCB AUTO FINANCE XX/XX/year> XXXX XXXX  XX/XX/year> 2023
Consumer complaint received 2024-06-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Affirm Holdings, Inc (CA)

This message pertains to my closed Affirm Money account and is a new request based on newly discovered information, not a repetition of previous requests. 

On XXXX XXXX XXXX, my Affirm Money account ( XXXX ) was closed with a charge-off of {$1000.00}. According to recent correspondence from Affirm, I am not liable for this sum because XXXX reimbursed Affirm by withdrawing the charge-off amount from my XXXX checking account. 

Upon recent communication with the XXXX XXXX XXXX, I learned that the amount requested by AffirmXXXX XXXX XXXX was not {$1000.00}, but {$1000.00}. 

It seems that AffirmXXXX XXXXXXXX XXXX did not claim a {$1000.00} charge-off, but sought a transaction reversal, labeling the transaction as fraudulent, and appropriated the additional {$1.00} for themselves. 

It is important to clarify that the {$1000.00} transaction was not fraudulent. The transaction was conducted by the genuine account holder, and was not due to abuse. The account holder was compelled to withdraw the money to prevent fraudulent appropriation, as Affirm declined to restrict the account following suspicious activity. The negative balance of - {$1000.00} at the time of withdrawal occurred because the account holder and XXXX were simultaneously acting on the same {$1000.00} sum. 

In light of this, Affirm should communicate with XXXX to amend the claim, specifying a {$1000.00} charge-off instead of a {$1000.00} transaction reversal. 

The detailed account of these events is enclosed in the attached file.
Consumer complaint received 2023-05-04
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. (FL)

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00}, Accounts : XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX
Consumer complaint received 2024-09-03
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (ID)

XXXX am mountain time bout XXXX prepaid cards from Netspend, spent XXXX hours emailing them ID information to verify my identity. At XXXX XXXX XXXX with ( XXXX ) XXXX for XXXX mins and very frustrating the rep starts to threaten to close me account and mail a check.he then said in XXXX more hour I will have my money, I still do not
Consumer complaint received 2024-09-12
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. (CA)

On XX/XX/year>, I filed an identity theft report with the FTC, naming an account with XXXX ( XXXX XXXX ). Despite repeated disputes and CFPB complaints and an ID Theft report, XXXX and EQUIFAX have failed to remove the tradeline, while XXXX deleted it promptly. XXXX has also not addressed the identity theft properly, continuing to report the inaccurate account without validating the alleged debt, in violation of the FCRA and FDCPA. Despite requesting a cease in communication, unauthorized reporting persists, causing ongoing harm to my credit profile and significant stress.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX, I submitted an application to Mr. Cooper for a recast of my existing mortgage with them for an additional {$150000.00} payment against the principal. I already confirmed via their website that I was eligible. 

It has been over 10 days, and I've not heard anything from them. When I contacted Mr. Cooper, the only thing they told me is that it can take up to 90 days. They also confirmed that they never even received my original recast submission on XX/XX/XXXX and only told me to reapply. 

I believe they are dragging this process out and ignoring me so that I continue paying a higher monthly mortgage payment.
Consumer complaint received 2023-09-18
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (MO)

I have applied 3 separate times for a loan for flight school with co-signers. Each time Sallie Mae has told me you are eligible for a loan but apply with a different more credit worthy co-signed. 

Each time the result is the same. No amount of income, lack of debt, or high credit score has changed this decision by Sallie Mae. Each time I am still getting denied. 

I have called and called and called Sallie Mae asking for help or guidance or information on their underwriting or approval guidelines and each time I am met with a generic statement of " we evaluate all aspects of the application for general creditworthiness '' or " we don't have specific guidelines ''. 

This " unknown '' underwriting and approval process seems very unattainable, misleading ( they lead consumers to believe these loans are attainable when they truly don't seem to be ), potentially predatory, and hardly seem compliant with Fair Lending Laws and Equal Credit Opportunity Laws. 

I get they have to XXXX risk and use their own proprietary model for scoring and approving, but to INTENTIONALLY withhold and prohibit willing parties with enormous post graduate earning potentially from bettering their lives seems very discriminatory if you ask me, and at bare minimum is unethical.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-17
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: Conn's, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
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. (IL)

Please take a look at the attached letters and ID docs for verification that it is I 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/XXXX you received my dispute regarding some transactions and late payments that you and XXXX XXXX XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!!

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b , and you have fraudulently verified an account without a reasonable procedure as required by law. 

Delete this incomplete and unverifiable accounts and transactions from my consumer reports : XX/XX/5000
Consumer complaint received 2024-06-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP (WA)

Went to the branch the day before the CD was expired on XXXX and was quoted XXXX % interest to renew. The Branch did not tell me I had to return the next day so assumed the CD would renew at XXXX  % interest. When I looked at my next statement it dropped to .05 %. I called the bank and spoke to XXXX at XXXX XXXX XXXX who told me that she would submit a request to have the rate fixed due to the circumstances, and that I would hear back within XXXX to XXXX days. it is now the XXXX of XXXX and I have heard nothing. I called US bank again and am speaking with XXXX related to this matter and they have put me through the relationship rewards team who is now transferring me to XXXX in XXXX Management at XXXX XXXX. It does not seem that there is a willingness to make this right.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Sigue Corp. (NY)

ON XX/XX/year> AND XX/XX/year> I BOUGHT MONEYORDEN BOTH FOR THE AMOUNT OF {$170.00} ( XXXX ) TOTAL IN CASH THE MONEY ORDEN NUMBER ARE XXXX AND XXXX WERE RETURNED BECAUSE THE ACCOUNT IN BLOCK I HAVE THE LEGALO COPY OF EACH MONEY ORDEN. SIGUE CAUSED ME LATE FEES AND INTEREST.
Consumer complaint received 2024-09-12
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 2024-09-12
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2023-05-04
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)

There is two collections in my credit report both from the same company XXXX XXXX XXXX I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and thank you
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX US Bank ( XXXX XXXXXXXX XXXX ), to send a wire to XXXX. The company was hired to assist in the legal requirements for a residency visa application. I provided the banker with a copy of the invoice which detailed the wire instructions including the intermediary bank to use ; however, I was told USB did not allow for requested intermediary banks. I was asked to wait in the lobby while the wire was sent in case of questions. No questions, I received a wire receipt. 
On XXXX I received a call from the banker that the intermediary bank XXXX had questions about the beneficiary, XXXX XXXX. Address, location, services provided. The owner of XXXX explained that most of the details were on the invoice I supplied the Bank. I received an email back from USB that the details provided were approved and that " the wire was out on our side. No more requested or needed ''. 
However, on XX/XX/XXXX, I called USB because the wire still had not been received. 
XX/XX/XXXX I received an email that the funds were being " held '' by XXXX and that USB had requested a trace. 
XX/XX/XXXX : Frustrated with the problems with wire at USB, I initiated a recall. I then transferred the money from my XXXX account to the beneficiary. Funds were received within XXXX minutes and my financial obligation was met. Same day, USB emailed me that XXXX acknowledged the recall request but refused honor until questions about the beneficiary were received : provide full legal name, full address, country of incorporation, address of all locations worldwide, headquarters address, tax ID number, economic purpose of payment. All these details from a company that was to never receive the funds! I received these details, most of which were included on the original invoice supplied to USB. 
XX/XX/XXXX : USB acknowledges the information and states the information will be forwarded to the requesting bank. 
XX/XX/XXXX : email from USB this morning states holding bank states it can take a couple of days to be received. 
Last week when I asked the banker what the timeline was for resolution and he said, it could take up to 90 days but he didn't think it would. 
As a retired banker of 44 years, XXXX of which were with USB, I find this unacceptable. I understand XXXX and all the various requirements and thankful that this has not resulted in a financial hardship for me. Please provide an update and resolution. Thank you, XXXX XXXX