davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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. (SC)

These are fraudulent inquiries in my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX 
XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-04-23
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 purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of unauthorized inquiries from my credit report. Below is a list of the unauthorized inquiries that I am referring to : 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. As per the provisions of the Fair Credit Reporting Act, I respectfully request you to conduct an investigation into my claim. If after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. Furthermore, I request that you send a corrected copy of my credit profile to the above-listed address. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-09-25
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. (PA)

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 2024-04-23
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (OH)

I had accounts with XXXX, XXXX, AND US BANK. They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. 

I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. 

I felt like I was treated like a criminal. I am a responsible XXXX who has never been in trouble before. 

They did give me my money back in a cashier 's check. 

I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. 

XXXX, early 2023. 
XXXX in XX/XX/2023. 
US BANK, XX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. 

Cordially, XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (MA)

On or about XX/XX/XXXX I obtained financing for an auto loan from Honda Financial Services DBA of American Honda Finance Corporation.I have reached out to them many times in order to resolve a credit dispute and they have been reluctant to further review and have denied further investigatation in this matter. On XX/XX/XXXX of XXXX I scheduled and made a payment in the amount of {$680.00} Confirmation # XXXX that was due for XX/XX/XXXX. For some unknown reason ( s ) Honda Finance reversed this payment back to me on XX/XX/XXXX. When I became aware of the payment reversal on XX/XX/XXXX I contacted customer service and made another payment in the amount of {$680.00} Confirmation # XXXX. I realized on or about XX/XX/XXXX that Honda Finance reversed that payment as well. I checked with the bank and enough funds were available in the account to cover both the payments. On XX/XX/XXXX Honda Fincance reported to the credit bureau for non-payment/late/missed payment on my credit report when I clearly made the payments and Honda Finance was negligent to collect the payments. Please review attached documents to help better understand this matter.
Consumer complaint received 2024-04-23
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (IL)

On XX/XX/XXXX, I applied online for a line of credit. Veterans United Home Loans immediately denied an extension of my credit. This is 2 violations of ECOA/ Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (SC)

I opened a Truist checking account in the branch XXXX XXXX XXXX XXXX, XXXX NC XXXX with XXXX XXXX on XX/XX/2023. I tried to open the account online but I have a fraud alert on my credit report so I had to go into the branch in order to open the account. There was a {$400.00} bonus for opening the account and making 2 direct deposits of {$500.00} or more and you would get the bonus within 4 weeks of the qualifying deposits. I have made 4 deposits of {$1000.00} and I have still not received my bonus. I reached out to XXXX who reached out to the promotions team and they stated the following Since the direct deposit requirements have been met, the {$400.00} XXXX reward will be processed and credited to qualifying checking account within 4 weeks and can not be expedited. As long as the account remains open, an eligible account type, and in good standing ( i.e. balance must not fall below {$0.00} ). My balance has not fallen below XXXX and yet I have still not received my bonus money. I feel that I did everything necessary. on my end to ensure that I receive the bonus and I would like to know why I didn't receive it before closing my account. I am not going to keep it open if Truist doesn't stand by their promotions.
Consumer complaint received 2024-01-20
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: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/XXXX your front door ran a credit card of mine for XXXX dollars and took off with the money and ran. I have not been able to get a refund. Your front door is now not answering my calls and stripe the credit card processing company is saying that the merchant has the money and they cant do anything about it and keep on telling me that I need to dispute this with american express. I have done this and American express has not done anyting to help me with this! The FBI is also now involved in this manner and so is a lawsuit against the merchant. but it has ruined my life because american express had put it on my credit report
Consumer complaint received 2023-09-01
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)

I appreciate your taking the time to DELETE some of the erroneous account in my credit file ; however, there is still an account that needs to be DELETED. The credit bureaus must verify these account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this account will be DELETED immediately. 

XXXX XXXX
Consumer complaint received 2024-04-23
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-04-23
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)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Attn : Billing Inquiries XXXX XXXX XXXX XXXX, TX XXXX Re : Notice of disputed charge to account Dear B of A Billing Inquiries Division : I am writing to dispute a charge of {$18000.00} to my credit card account on XXXX XXXX XXXX The charge is in error because the company that I hired to do work for me is in breach of contract / services not rendered. 

I have been working with the company, XXXX, for the entire year, giving them chance after chance to provide what they told me they would provide in their contract. However, although they attempted to over the months, they were never able to deliver. I asked for my money back last XXXX, within XXXX  days of filing a dispute claim with you. They told me that they would send my request to their billing department, but then they didn't follow through. 

I contacted Bank of America many months ago regarding this issue, to find out how long I have to file a claim against the company. Your customer service representative told me that I have at least XXXX XXXX  to file a claim, and up to XXXX XXXX This should be documented, as I know you record all phone calls. 

I recently received XXXX letters from you, both dated XX/XX/XXXX. XXXX letter stated that you were working on my claim, and that I should send you information to support my claim within the next XXXX  days, The second letter stated that you completed your research and that my claim was denied. But you didn't give me a chance to send you my information to support my claim.

I believe that you should allow me to dispute this charge for the following reasons : 1. After the company didn't perform, and after giving them plenty of time to do so, I asked them for my money back. Then, when they didn't do follow through, I filed a dispute with Bank of America within XXXX  days of me asking for my money back. 

2. A Bank of America Representative told me that I had XXXX years to file a dispute, and up to XXXX years. You have record of this phone conversation, since I know you record all phone calls. 

Please work with me on this to get a fair resolution. 

Sincerely, XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-04-23
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting a agencies need to report all information with complete accuracy. This account was never late I have attached a copy of my complaint on the following ( XX/XX/2020 and XX/XX/2020 ). I am now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your prompt response
Consumer complaint received 2024-01-19
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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2023 I was contacted by a web developer who said they were able to develop a website for my new business. We started the website on the same day XX/XX/XXXX. Throughout this time I started to realize slowly and slowly that this is a scam I found out it was a scam by searching up the business address on XXXXXXXX XXXX and seeing that many people are complaining of never seeing a product from this company. I also seen that it was a residential address and many said that it is likely that this is XXXX Scam artist once I realize it was a scam. I demanded a refund for XXXX dollars in which I was charged on XX/XX/XXXX. One of the reasons I also filed a dispute is because the agreed-upon time was 15 to 20 days as stated in the contract and with a refund policy that allowed me 100 % refund for any dissatisfaction that I may have I filed the dispute once they were still playing games and acting like they are still doing the website with no actual proof however, American Express found me liable to pay the amount. I was extremely confused on how this happened, because there was no proof that they actually performed the service for me because they never have until I requested a documentation from American Express and they showed me a documents which included a false contract a contract and never signed. It was a false contract different from the one I actually signed knowing this is a felony in all 50 states I proceeded to contact American Express and uploaded different documentation after reopen the dispute, showing the difference in contracts and how the merchant uploaded a fake forged contract using my signature which again is a felony or 50 states American Express proceeds to decline me once again confused on how this is possible even though I showed them a fake contract and the merchant uploaded links leading to my website. However, if you press on these links, they do not work because the website does not exist. I am once again opening up another dispute with American Express this time uploading, a police report for faking my signature and changing a document after signing. I filled for a Dispute 72 days after the start of the project meaning I already gave the merchant an extra 50 days to complete the project however, a total of 72 to 75 days I did not see any proof of a functioning website. The name of the merchant is XXXX XXXX XXXX XXXX. Their website is https : XXXX
Consumer complaint received 2024-04-23
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. (OR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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