davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
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. (NJ)

The information needs to be deleted In the file of a consumer in an event that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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 copy In demanding an deletion of the account XXXX XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, 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. (VA)

I applied for credit with XXXX XXXX XXXX through XXXX XXXX XXXX on XX/XX/2023. I was denied credit in part because my score was reported to be XXXX by Equifax according to the automobile sales company and the enclosed letter from XXXX XXXX XXXX that I received in XXXX. On the same day that I submitted my application, I checked the Equifax website which reported my score as XXXX. Additionally, I received the enclosed free credit report from Equifax that I requested as a result of the credit denial with the score showing XXXX at the time of my application. I have reached out to both companies in an attempt to resolve the discrepancy and to identify the issue that has both companies saying that my score from Equifax is different. Both companies refer me to the other company to resolve, which leaves me unable to fix the problem. I have been denied credit from other companies beside XXXX XXXX XXXX because of this same issue and would like to bring the problem to a close. Please assist me with resolving this issue and moving in the direction of resolution. Thank you!
Consumer complaint received 2023-03-11
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: WELLS FARGO & COMPANY (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased my XXXX XXXX XXXXXXXX XXXX brand new on XX/XX/2020 at XXXX XXXXXXXX in XXXX, Texas. Which has now been renamed and brought out by XXXX now. The truck was {$37000.00} the total of everything was {$42000.00}. We paid a total of {$4000.00} down. 

We, are exercising our right of Rescission Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as WE was never told WE had 3 days to rescind the transaction nor was WE given the notices that come along with all consumer credit transactions. We are rescinding the transaction, and rescinding my signature endorsement ; Furthermore, you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also named has failed to clearly & conspicuously disclose my right to rescind ; We, participated in a consumer credit contract and not a loan Pursuant to 16 CFR 433.1 ( i ), which clearly states Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 

Take further notice that Pursuant to 12 CFR 1026.4 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. Also, on 12 CFR 226.18, the Term Finance Charge is the dollar amount the credit will cost you ;
Consumer complaint received 2023-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My joint in trust accounts XXXX and XXXX with my wife XXXX XXXX XXXX were closed by Bank of America and the funds were transferred to the state of New Jersey. 

In XXXX, 2023 I received a letter from Bank of America stating there was inactivity. They offered three options to let them know I existed. One was to call an XXXX number which I did. After speaking with a representative and answering a number of questions, I was assured my accounts would remain open and the monies would Not be transferred to the state. When I received my latest statements it showed zero in each account.

I went to the local bank and the manager made a call and was told nothing can be done and I would have to go to the state of Florida to get our money back. Then was told its at the state of New Jersey since the accounts were open there ( these accounts have been there over 50 years and one holds my XXXX veterans monthly money ). Then was told again its in Florida and lastly and finally its in New Jersey. Thus far, it doesnt show up on the website. XXXX emailed B of A consumer care and again was told I must pursue my monies even though it was their mistake. 

They let me know that they should have sent us a form to fill out since these are trust accounts and that was never mentioned on the initial call to keep the accounts active. And then to tell me that they will now train their representatives to do so. Obviously this doesnt help us. Because of Bank of Americas mistake handling our money, we are left without it and the responsibility to get it back. Please help us and save someone else from their lack of care and responsibility with customers money. 

Thank you in advance for your help in this very upsetting matter.
Consumer complaint received 2023-12-03
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXs Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (WA)

I tried to make a purchase today using my store credit card account. The transaction was declined, and the store called the credit card company on my behalf to inquire. They said that since I hadnt used my card in a long time, the account was closed. The only solution they offered was for me to apply for a new card. 

I dont recall receiving a notification that my account would be closed. The bank is still reporting it as an account in good standing on my credit report. It seems like theyre treating it as open and closed at the same time.
Consumer complaint received 2023-03-11
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: Source Receivables Management LLC (VA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, Source Receivables Management, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-11
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: ACIMA CREDIT, LLC (FL)

In accordance with the fair credit reporting act. The List of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681 Acima digitalXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Tx XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SD XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Consumer complaint received 2023-12-03
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-03-11
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: EQUIFAX, INC. (SC)

I am told that i must get confirmation from the creditor who placed the information on my report but the creditor referred meto the the credit reporting agency. 

I am expected to go through extreme measures to remove inquiries that i do not recognize but it took them only a few seconds to place the misinformation on my report that was not confirmed by me. 

The reporting agencies are supposed to protect the consumer but it is clear that the their loyalty belongs to the those who pay them and keep them financially solvent. 

If the credit reporting agencies are no protecting the consumer, why do they exist. Maybe they should be disbanded or the inquiry reporting done away with so that it is no longer an impossible challenge when the consumer is faced with fraud and unauthorized inquiries.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NJ)

Account XXXX XXXX to my XXXX I was going thought financial hardship and was unable to keep up with my payments. I was so grateful to synchrony bank/ Care Credit for helping me though a settlement on XX/XX/XXXX. Now for about 6 months I've been requesting from synchrony Bank/care credit for a copy of my credit application that started the care credit account on XX/XX/XXXX to see if there are any errors. But they would always respond as if they don't know what I'm requesting followed with a second letter detailing the account history. This is very confusing to me cause I did not ask for the account history. Now I'm asking again though the CFPB for my credit application. If they can't produce the credit application that started this account or it has any errors in it, I kindly request that this account be removed from all credit bureaus.
Consumer complaint received 2023-03-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX Bank XXXX Never Been Late I JUST WORK AT XXXX XXXX XXXX XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXXXXXX Fl XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/2021 around XXXX am I went to an ATM belonging to First Bank of Puerto Rico. I tried to withdraw {$200.00}. The ATM didn't dispense the money. I called immediately to the XXXX of the ATM and he told me that I have to call the bank. I called First Bank of Puerto Rico and the person who received the call told me that I have to wait XXXX hours before I present a complain. After XXXX hours I called the bank and XXXX XXXX XXXX help me with the complaint. The number is XXXX. She told me that I have to wait XXXX labors day ( until XX/XX/XXXX ) in order receive a notification if the complaint proceed. After XXXX labors days I called and they told me that I have to wait until XX/XX/XXXX because the complaint was closed on XX/XX/XXXX and reopen in XX/XX/XXXX without any reason why it was closed and reopened. And I have to wait until XX/XX/XXXX ( for a new XXXX labors day ) for a response. XXXX XXXX XXXX gave me the new number for the complaint ( XXXX ). In XX/XX/XXXX, I called the bank and they told me that the complaint was denied. XXXX XXXX XXXX assisted me in the information. I went to the bank in person and they told that I have to present a written document explaining the situation and present a reconsideration of the denial. It was process on XX/XX/XXXX. Until Friday XXXX XXXX the bank have not respond to my complaints and I have received my {$200.00} that ATM didn't dispense. The bank didn't present me with a photo or a video that proof that the money was dispensed. I need you help with this. Thank you.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (FL)

I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and XXXX that these " collections '' are only hitting the Experian CBR. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on Experian to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours Mon- Fri XXXX XXXX which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PR)

When I called the representative they kindly agreed to have Dept of Edu Closed Accounts Removed from my Experian & by the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1679c. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. 

Credit Report, XXXX XXXX XXXX XXXX have both followed thru this request but Experian has not. 

Its been about more than a Month Later & Still having Issues with Experian by Removing this from Credit Report.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PR)

Im trying to unfreeze my credit since Im trying to buy an apartment and the bank requires that they see the Equifax credit score. Im frustrated because I sent Equifax the necessary documents 10 days ago and they said that they can process those documents in 5 business days, its been 7 and nobody can tell me if theyve arrived. Fax or mail are not reliable modes of communication, I must be able to have my credit available whenever I want and resolve any issues whenever i want when I am who I say I am. I understand security concerns but this is unacceptable.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello My name is XXXX XXXX. I have attached Proof of my name being XXXX XXXX by adding my Drivers License, Social Security, Naturalization, and Voter ID which should be plenty. 

The problem is the incorrect name keeps appearing on my credit reports and it is not me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc are all incorrect names and should be deleted. 

Again, Correct Name : XXXX XXXX Incorrect Names that need Deletion : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX It also appears, XXXX has Kept Many Accounts on my credit report that are not mine. Both XXXX and Transunion deleted all accounts associated with XXXX XXXX which may be mixed up with my fathers name, he went by XXXX XXXX XXXX and and also XXXX XXXX XXXX, he had XXXX middle names. 

I have written XXXX several times regarding errors to accounts, identity theft, or anything possible to have my credit report cleaned up since they do nothing but " verify accounts and names '' that do not belong to me but perhaps a family member. 

Again, I have no credit in the United States yet, My name is XXXX XXXX My Social ends in XXXX and I have attached proof. 
I recently became a XXXX XXXX XXXX XXXX  and have obtained no credit previously. No credit should be on my credit report. 

I traveled from XXXX to the United States and stayed here month off and month on for several since XX/XX/2020 when my father was ill of XXXX. Recently I moved here and XXXX XXXX XXXX. However I have never had a credit card or home or loan in the United States. 

Please Have XXXX Wipe my credit report with nothing as XXXX and Trans Union have done. Something weird has occurred on my credit report with XXXX and this person is not me... XXXX XXXX XXXX, XXXX XXXX XXXX, etc I am XXXX XXXX.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (PA)

Opened a XXXX XXXX account on XX/XX/. The account was opened and an outside account was linked. But unable to transfer money. I contacted them via email and phone many times. They just asked me to wait and can not solve it and never reach back. After all this, I asked them to close my account and delete all my information. They replied to me with an email saying yes. But I could still be logged in and see my outside account linked there. The customer service is bad and never helpful.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

Dear Sir/Madam, I am writing to file a formal complaint regarding the recent restrictions imposed on my credit card account with my Goldman Sachs XXXX Apple Card XXXX I have been facing significant challenges in using my credit card for the past couple of weeks, and I believe these restrictions are unjustified and detrimental to my financial well-being. 

I want to emphasize that I am a XXXX citizen, and these financial restrictions have caused undue stress and inconvenience to me. My XXXX XXXX  and fixed income make it essential for me to have access to my credit card to cover daily expenses, emergencies, and various other essential purchases. Unfortunately, I feel that my circumstance as an older individual may have been taken for granted, leading to the current situation. 

It is important to note that my credit card account is in excellent standing, with no outstanding balance due. I have maintained a timely payment history, and my creditworthiness should not be a factor in the restrictions that have been placed on my account.