davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Several weeks ago, I tried logging into the citi mobile app for which I have biometrics access but was required to enter my password, which I understand happens from time to time. I must have miskeyed my password so I keyed " forgot password '' to reset it and start over with a new one - I would get a request for my fingerprint, which I would use, then it said " do you want to reset your account password with Citi trusted identity? '' and I would click yes, it would ask for my fingerprint then the screen would flash and I would be back at the login page to start again. I tried accessing my account from a desktop but couldn't because it was locked. I have a credit card and a high yield savings account with Citi. I tied both accounts to my XXXXXXXX XXXX account which is my primary and I used to be able to transfer money from that savings and have my auto payments for my credit card also set up. I cut up my credit card because I used it for some XXXX finance charge benefits but didn't want to keep using it - I also didn't want a debit card for that savings account so I cut that up because I could transfer money online. But now that i can't get into the app, I don't know what to do - everything is in the app - my statements, my account information, everything and without a card number, I can't even reset anything. So I called and requested a replacement credit card - thinking I could use that once activated to reset my password, but no - account still shows locked and now it says that my information isn't correct- which I know is wrong since I know my birthday and I'm staring at the card as I type the number and CVV. I just want access to the mobile app like I used to - biometrics seemed the safest so I'm not sure why it's not working. I've called several times and although the reps are helpful their hands are tied to help me- the last young man suggested I go to a branch but I live in Texas and apparently all branches in Texas are closed. I am taking a trip to XXXX XXXX this weekend for a wedding so I looked there but they also have no branches- seems like everything is in the northeast. I am happy to give them whatever they need to verify me but I can't ever speak to anyone who can verify me because they're not allowed to have that information - I don't know what else to do but at this point I just want to close my savings account and get access to my mobile app again so I can maintain my payments to my credit card. I am a well educated person, I have tried everything so this is my last resort hoping that they will give me an option to verify who I am without having to travel to New York from Texas or send my private information to some address where i can " hope '' someone takes pity on me and helps me. I don't know how they can operate this way- never had any problems with them but omg not having access to the mobile app gives me no access to my money and XXXX forbid I had no way of making my payments that would cause me more problems. Please help.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (MN)

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

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$680.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-18
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: Rocket Mortgage, LLC (TX)

XX/XX/year>. XXXX. Bank sent email saying my contact number changed. I didn't change anything. Rocket Mortgage employees sent email saying they need payment. I have sent information to XXXX XXXX XXXX XXXX XXXX land theft in XXXX XXXX XXXX. XX/XX/year> XXXX XXXX and another man practicing here in XXXX XXXX. At XXXX location I just rented. I contact XXXX insurance in XXXX to explain the Theft of my assets in XXXX XXXX and XXXX. XX/XX/year> the XXXXXXXX XXXX  XXXX harassment. Even after XXXX XXXX  clarification of investigation for me to get them receipts. I am not married to Anyone in XXXX XXXX. XXXX XXXX I don't know him. We don't have XXXX business together. We never worked together in XXXX XXXX XXXX. I don't know why XXXX. XXXX, Rocket Mortgage, XXXX XXXX XXXX XXXX to allow XXXX XXXX and other clowns to steal my information and play with my business investment. Please do something XXXX XXXX I met in XXXX. We never had any money transfer or investment in my XXXX XXXX XXXX here in XXXX. These are the only ones I am aware of that have done sorcery here where I am. If the people in this area I am currently. Contacted these clowns then please look into bank robberies here in this area. I have not used my credit card or anything else yet. Please help me.
Consumer complaint received 2024-05-17
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. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$60.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (CA)

On XXXX XXXX XXXX XXXX, I received an email saying that a Credit Inquiry was blocked from XXXX Report. 

A hard inquiry was blocked on XX/XX/XXXX because your XXXX report is frozen. If this doesn't look familiar, it could mean someone tried to open an account in your name. 

Did you apply for something? 
From : FEB/DESTINY Type : Commercial Banks  Contact : XXXX XXXX XXXX XXXX, XXXX XXXX United States XXXX On XX/XX/XXXX I received another email from Destiny XXXX XXXX titled " RE : Destiny XXXX Application ID # XXXX '' from Concora Credit Inc. services ... I've never applied for this and believe someone is trying to open up Credit Cards under my name...
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MD)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely shocked and dismayed to find that inaccurate accounts suddenly appeared on my credit report this morning. Ive been checking my credit report regularly, and this is the first time Ive encountered such discrepancies. I tried refreshing my browser thinking it might be a glitch, but the errors remained. Given this, I urgently need the documents I've submitted to be thoroughly reviewed so I can stop worrying about this issue.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MN)

I have inaccurate information reporting in both XXXX and Equifax, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX with A BALANCE of XXXX, on XXXX, XXXX  XXXX XXXX XXXX open XX/XX/XXXX on both XXXX and equifax with a balance of XXXX. ALso XXXX XXXX XXXX opened XX/XX/XXXX with a balance of XXXX on XXXX. ALso XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of XXXX and lastly XXXX XXXX  opened XX/XX/XXXX with a balance of XXXX and the companies have taken no action to remove these item after several letter and attempt over the past 90 days and more.
Consumer complaint received 2024-06-19
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. (NY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

WF CRD SVC  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear sir, I would like to ask your company, WF CRD SVC, to check whether you have provided the auto loan or home equity and mortgage. Since my family lives in the extremely old, rented apartment in XXXX XXXX near XXXX, I could not understand why I need to apply for the mortgage and other payment system. I request to investigate whether a person called, XXXX XXXX, applied to your service; therefore, whether your company asked the credit report to satisfy the financial need and assistance of this so-called XXXX XXXX from the credit report company of the United States , with which I have so much difficulty to receive the claim and dispute answers to satisfy me. Since I am a real XXXX XXXX, whose nationality is XXXX, I would like you to investigate whether there is any other XXXX XXXX, who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. If so, as far as I know, I clearly can prove that person is not XXXX XXXX with my passport and another necessary documents to prove that I am a XXXX XXXX of XXXX nationality. If your company lends some money to this impersonated XXXX XXXX, I would like you to act the necessary legal action to regain your financial loss. And I request you to work together with XXXX to remove your company from my credit report. Besides, I can clearly say I do not have any real estate in this country and other countries. 

Sincerely,
Consumer complaint received 2024-08-17
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. (AL)

In accordance of the fair reporting act list of companies listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX {$750.00} {$570.00} {$570.00} {$500.00} XXXX  XXXX XXXX {$500.00} Has violated my rights 15 USC 1681 section 602 A States I have a right to privacy.

15 USC 1681 section 604 A section 2 states of consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 states : ** ( 1 ) Prohibition** ( A ) 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.

( B ) 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
Consumer complaint received 2024-06-19
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: Affirm Holdings, Inc (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-08-17
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. (GA)

The reason for this, is to dispute all XXXX unauthorized inquiries on my credit report. 

XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( XXXX ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.
Consumer complaint received 2024-05-17
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. (CA)

There remain entries that still need to be addressed. This is to formally dispute these remaining entries as inaccuracies in my file resulting from reporting errors. I confirm that these disputed items are not related to any transactions involving goods, services, or money that I have conducted or authorized. I request the removal of these inaccurately reported items from my credit file : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX LA 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These items are unfamiliar to me, and their reporting by your bureau is inconsistent with their deletion by others, raising concerns about their accuracy. The history and dates of these reports are unclear, adding to my concerns. As stipulated under FCRA 605B ( c ) ( 1 ) ( C ), I request the removal of these inaccurately reported entries. I appreciate your prompt response to this matter and look forward to your resolution. Thank you.
Consumer complaint received 2024-05-17
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im incredibly frustrated and disheartened by the lack of attention to my repeated requests to fix the errors on my credit report. Its been an ongoing issue, and despite reaching out multiple times, I feel like my concerns are being ignored, which is unfairly impacting my credit and peace of mind.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

I bank with wells fargo and on XX/XX/2023 i reported a fraud claim to wells fargo of a sum of {$4100.00} and they informed me they would be looking into it and told me itll take 10 buisness days or less to resolve the issue. I receive a letter by wells fargo informing me that these transactions were authorized by me and my claim has been closed. These transactions were not authorized by me and wells fargo has made it very clear they dont have any interest in reimbursement.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I received a new credit card in the mail from Capital One, but I never applied for it. Concerned about potential identity theft, I contacted XXXX to file a fraud alert and dispute the account. However, XXXX informed me that I would need a request of authorization letter from Capital One to proceed with the dispute. When I contacted Capital One to obtain this authorization, they informed me that it was not possible to provide it. XXXX mentioned the inquiry was done on XX/XX/year> 2024
Consumer complaint received 2023-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MD)

I have an auto loan with TD auto finance US. I have regularly paid my monthly fees on time including XX/XX/2023 by scheduling it well in advance before the due date. Furthermore, I checked my online account and discovered that my account wasn't current that I still have an outstanding fee to pay. I reached out to TD auto finance and the customer service representative promised me it will be rectified within XXXX business days. Up till now, I am back and forth with TD auto finance and they keep transferring me around. I have sent them several messages on my online account and they kept promising it will be reversed. XXXX of those days, I was put on hold for about XXXX hour with no apologies.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (VA)

My wife and I paid off our home mortgage on XX/XX/year> for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The escrow held by Rushmore Servicing ( {$1800.00} ) has not yet been returned to us. We called Rushmore Servicing on XX/XX/year> twice during business hours. Rushmore automatically ( i.e., not a live agent ) asked for the loan number. After we provided the loan number, they auto-confirmed that the loan was payed off but it was not possible to get in touch with a live agent or otherwise get the option to request that our escrow be returned. Previously, before the loan was paid off, we were able to speak with a live agent for various needs. After the loan was payed off, it is not possible to speak with a live agent or to have the option to request the escrow back. 

Loan number - XXXXXXXX XXXX XXXX