davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX email : XXXX I have been trying to get the clear for 2 years now. My address, phone and email are above. Remove all addresses other than the XXXX listed, I have never lived in The areas of Delaware that you have reported. This is my life and my information I need you to get this corrected. I just viewed my credit report and this is destroying my credibility. My one and only First and last name is XXXX XXXX and I have no other names or aliases. Please remove all other versions of information from my report I am requesting you remove all information that is incorrect. I am including my notarized License that I sent you all for the last XXXX mths now. Update my identifiers. USING YOUR INDIVIDUAL WEBSITES DOes NOT WORK XXXX you cant even reset a password, does everything for payment 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply by written mail again. I have disputed the address both electronically and verbally over a phone call. I don't know these addresses, I don't live at this addresses, I don't recognize this addresses. I have also uploaded a fTC affidavit/ report. for the identity theft
Consumer complaint received 2024-03-18
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)

The following accounts I want to be disputed and blocked and removed and I ask the credit bureau to dispute it but they refused and violate the fair reporting act and refuse to block and removed these accounts and send me a rejection letter and refuse to honor my request the following accounts I want to be disputed are XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as fraudulent accounts open by a thief please remove these accounts and notify the creditors
Consumer complaint received 2023-06-09
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. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 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 an 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 2024-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION (FL)

My accounts are held with Suncoast federal credit union. One of my personal accounts has been charged off and because of this have a restricted my XXXX accounts. I can't gain access to my funds either by debit cards withdrawals at the teller and or transfer in or out. This is against regulations to restrict my XXXX. They are treating them as though they are just regular accounts and they are not. Per regulations they are not allowed to offset from my trust nor restrict it due to personal account that has been charged off. I have called, emailed and went inside the branch numerous time and not one person understand what a trust is. I am seeking help to get my accounts un restricted so that I can use them. I am only speaking to have my XXXX  accounts not restricted and this includes my debit card.
Consumer complaint received 2024-03-13
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: AMERICAN EXPRESS COMPANY (GA)

I have been trying to use an American Express gift card online and haven't been able to. I attempted to use the card on XXXX, and my purchase was declined. AmEx says that the card can't be used at retailers that don't require the card security number to be entered. 

I tried another retailer that does require the security code ( XXXX  ) and the purchase was again declined. I do most of my shopping online, including groceries, so I am not able to use the gift card in my current regular day-to-day business. 

I did use it in person in 2021 for a small purchase. The initial balance was {$100.00}, and the card has {$91.00} remaining. I have verified the balance with AmEx.
Consumer complaint received 2023-04-21
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. (LA)

I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX NO Name Provided ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-06-20
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. (DE)

Prior Investigation related to today 's matter CFPB # XXXX We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today for the XXXX time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. That didn't not get fixed prior Investigation. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, Equifax and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX XXXXXXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to today 's complaint .. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 5 ) ( A ) of the FCRA you are required to DELETE all information which can not be verified. You have not produced My written consent to furnish these Unverified inquiries. or that they are even mine Thank you. XXXX
Consumer complaint received 2024-01-19
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. (AZ)

IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECCION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SWCTION 2 : IT ALSO STATES A CONSUMER PEPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Thaxton Investment Corporation (MO)

I bought a car from Heights Finance in XXXX XXXX borrowed XXXX and my last payment was this month according to original contract! They are trying to repossess my car saying I still owe XXXX! I was and still am on XXXX.. but I had 2 incomes then.. I now have only mine and am presently taking care of adult son due to XXXX XXXX.. Wanted to know if you can HELP US IN MISSOURI NOW
Consumer complaint received 2024-04-18
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: Rocket Mortgage, LLC (TX)

On XX/XX/XXXX I reached out to rocket mortgage to go over options with them to refinance my home. The rep I spoke with went over various options with me and on XX/XX/XXXX told me that they could move forward but not with my husband on the application because he is self employed. Obviously this was not ideal. I told him then that I would like to pause the application for a couple of months and see if we could make some changes to make it so my husband could be on the loan. On XX/XX/XXXX at XXXX he responded and said that he completely understood and he would let his pricing team know and that when the time is right to please reach back out and they would be happy to help. On XX/XX/XXXX I received an email from an appraiser telling me that he was contacted by rocket mortgage to do an appraisal on my home. I told him that there must be some mistake and that I would not be needing this services because we had opted not to move forward. I again reached out to the rep I had been working with who stated that " yes I will check it out in the morning. I just received an email this afternoon about your good faith deposit being denied and that should have led to a pause in the process. I will talk to my director tomorrow and let him know. '' Luckily I had a feeling there would be issues and thankfully I had already pulled that money out of my account so they could not withdraw it just in case. The rep scheduled a call with me for XXXX on XX/XX/XXXX to follow up with me and assure me that everything was paused. A couple of minutes before our call on XX/XX/XXXX I received an alert on my credit that a hard pull had been completed. During our call the rep I had been working with assured me that it was done in error and that he would fix it. He said that he reached out to his manager and that they were removing it as an error and that it would take XXXX to XXXX days. Now today XX/XX/XXXX I get a call, email and a text message from a different rep with rocket mortgage asking me how things are going with my loan. I explained the above to him and he responds by telling me i need to call a client services number. I feel like I'm getting sent through an unending loop with this company just to fix their mistake. I never approved this hard credit pull. In fact I specifically asked multiple times for it not to happen. The company responded and tried to tell me that I did not withdraw my application until the XXXX. I have attached proof that is a lie. I would like this false information removed from my credit. This is a violation of my rights as a consumer.
Consumer complaint received 2024-03-18
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. (CA)

Trans Union has an XXXX XXXX XXXX XXXX XXXX on my personal credit. Its for a company that I dont own and Im not associated with. Ive provided them supporting information in the past and they refuse to remove it continuously saying that XXXX XXXX has validated the information using my Social Security number and my name, which is exactly what was stolen. 

XXXX XXXX XXXX reported XX/XX/2024 {$3100.00} Reported balance
Consumer complaint received 2024-02-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America allowed a levy to be put against my savings account in the amount of XXXX The lien or levy was initiated by a lawyer, in XXXX XXXX, using whats called a confession of judgment. I knew absolutely nothing of this. Ive never received a summons or been notified in any fashion shape or form. Nothing of this has showed up on my credit report. Nothing after speaking to the law firm that actually initiated it is come to my attention that this is an identity theft situation. Someone has used my identity to apply for a merchant, cash advance, essentially forming a company and getting a cash advance from these people in XXXX XXXX and never paying it back. 

I have attempted to handle this with Bank of America without any success. Ive also sent the law firm the appropriate paperwork showing that I filed a police report for identity theft. They have told me I am out of luck and they dont care. 

Bank of America has told me that I have to handle it with the law firm that started it and I cant because they dont care I dont have the money for a lawyer because Bank of America has assets Im a resident of the state of California in the state of California, a confession of judgment which is the method used in order to initiate this lane is not valid they dont recognize them in the state of California In the state of New York, where this is issued, they can issue a confession of judgment and put a lien on an account, but not for out of state residence Furthermore, in the state of California, the only time you can put a levee in, and a of possession signed by a judge, and they do not have anything signed by a judge. The Levy was placed using a confession of judgment that is not valid in the state and which I reside. 

Bank of America is refusing to acknowledge their mistake even though just recently they lost and had to pay {$10.00} XXXX in a action lawsuit for this exact same thing for issuing and implementing levies for out-of-state levies, and not verifying the information and the guidelines for which the state of person lives The only reason I came into possession of this money in the first place was because my mother passed away, and this was payment from a life insurance that I desperately need in order to pay the funeral Ive never received any kind of paperwork. Nothing and Bank of America is refusing to assist in releasing these funds back to me even though I showed them police reports and pointed out their error. They dont want to do anything about it. 

I was injured recently and have been out of work for many months. I dont have the money to pay the funeral and wait for this money to come back. This is completely devastated my household, and will leave me in a state of bankruptcy. 

Please help
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX Prior CFPB complaint related to this complaint here today is ( XXXX ) I have previously sent out a complaint through the XXXX XXXX to rectify my information on my credit report not reporting a 100 % accurately. And my rights being violated, i also made a complaint statement regarding the tax fraud That XXXX, Transunion and XXXX .How your company is illegally reporting a charge off on my credit report still You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. Ontop of the Tax Fraud you have committed. My complaint today is to address the willful neglect and lack of response to my previous complaint with the CFPB i have give me 30 days which is the more the reasonable time. For you to fix the situation i have not received the response back or letter regarding these matters. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, These account are still On my credit report.. Remove them at once. Thank you XXXX XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX Prior investigation In related to today 's complaint Which was submitted XXXX In my previous complaint I requested that the following be removed from my credit profile i requested closed accounts to be removed Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX opened XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX Date opened XX/XX/XXXX These accounts are showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. 
The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation the small claims court if the matter is not solved today
Consumer complaint received 2023-06-16
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. (CA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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: General Motors Financial Company, Inc. (FL)

I pulled up my credit report and notice that GM Financial has placed inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reportsXXXX GM Financial should have given me an opportunity to dispute this information if they feel to believe it's correct. I need them to give me proper notification and also send me a certified notification receipt with my signature showing that we communicated about this debt.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

i ordered something from XXXX  and arrived defective i tried to contact them nobody helped me i opened dispute with bank and didnt help me either and im stuck with item doesnt work and nobody helping me they kept saying we will help you from XXXX  but never did i do have all the messages on the email charge was for {$330.00}