davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX on XX/XX/21, they stated they are having issues with their system that incorrectly sent out information to Transunion and XXXX. They also stated the problem would be fixed. The information caused me to lose out on getting a house. As a result of the incorrect information my credit score decreased by XXXX points. I am getting no where with this issue. I have not received a call back as they said they were going to call. They also stated that they did not see any debt under my name.
Consumer complaint received 2024-07-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (CA)

In XX/XX/XXXX we bought a car a XXXXXXXX XXXX. from the day we bought it home it was in the shop, it continually died and left me stranded. We were able to get XXXX to diagnose the issue and they said it needed a new part for the fuel injectors, after sitting in my drive way for 5 months with nothing being done, and me not being able to drive it, I called regional acceptance and told them to come get it. 3 weeks later in XXXX of XXXX they came and got the car. Sold it and paid off the loan. But have been stating I still owe the full balance, the loan is 7yrs and 9 mos old it needs to be removed. they refuse
Consumer complaint received 2024-01-11
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)

My name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the 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 instruction of the consumer to whom it relates. I consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-01-11
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. (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 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 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (TX)

**Consumer Financial Protection Bureau Complaint** **Consumer Information : ** - **Name : ** XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX **Complaint Summary : ** I am writing to escalate my ongoing issue with Discover Bank regarding an ACH withdrawal and subsequent mishandling of my dispute over {$20000.00}. I have previously submitted a complaint and have received insufficient communication and resolution from Discover Banks executive team. This is my second complaint on this matter. 

**Complaint Details : ** 1. **Initial Incident : ** - On XX/XX/year>, I requested a stop payment for an ACH withdrawal of {$20000.00} to XXXX XXXX  XXXX Initially, the amount was taken out on XX/XX/year>, but was credited back automatically. Despite this, I requested a stop payment to ensure no further issues would occur. 
- My initial request for a stop payment was denied by the first agent. The next day, I successfully placed a stop payment request, but the charge still went through on XX/XX/year>. 

XXXX. **Dispute Filing : ** - I immediately called and filed a dispute, but Discover erroneously disputed the first charge. I was not informed of this error until recently. 
- Despite terminating my ACH authorization with XXXX, they withdrew the funds again. Standard practice should have reissued my account on XX/XX/year>, but this did not occur until later. 
- After correcting the dispute, I have been missing {$20000.00} from my account for nearly a month due to Discovers error. My account balance has been reduced by 80 %, leaving only {$5000.00} available. I have been told multiple times that the funds would be returned soon, but they have not been credited to my account. 

XXXX. **Additional Issues : ** - Discover erroneously placed a stop payment on XXXX XXXX  XXXX causing a {$30.00} ACH reversal fee. 
- Despite conversations and assurances from Discover agents, including documentation attached to this complaint, I have received little to no follow-up from Discovers executive team.

**Negligence and Lack of Cooperation : ** XXXX has been uncooperative in resolving this issue. Discover was negligent in allowing the funds to be taken despite my stop payment request and terminated ACH authorization. The executive team at Discover has failed to provide adequate communication or resolution.

**Attached Documents : ** - Copy of the letter from Discover dated XX/XX/year>, confirming that the funds were returned to XXXX XXXX  but not credited to my account. 

**Resolution Requested : ** I urgently request the immediate credit of {$20000.00} to my account. Discovers mishandling of my dispute has caused significant financial distress, and I expect prompt resolution and compensation for any fees incurred due to this negligence. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (VA)

I have received 3 hard inquiries from JPMCB Card Services in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not apply for any credit cards or loans from this bank. I would like these hard inquiries removed and reported as fraudulent. I would like to stop the person from using my information to attempt to open an account.
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (IL)

This is the several times I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXXBalance : {$3200.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}
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. (NJ)

n accordance with the Fair Credit Reporting act 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. 

XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2024-07-09
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

Several check-ups performed without my consent. 
XX/XX/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 XXXXXXXX I don't recognize any of these credit checks
Consumer complaint received 2024-06-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX, I received notification my XXXX XXXX XXXX XXXX XXXX # XXXX ) was denied due to Bankruptcy. This information was derived from XXXX reporting agency on XX/XX/XXXX. If due diligence was conducted on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX the banking institution should have noticed my bankruptcy was XXXX on XX/XX/XXXX. I disclosed this fact on my initial application ( XX/XX/XXXX ). At no time was I notified by the loan application verbiage and loan informational pamphlets provided to me by XXXX  that having a Bankruptcy was a factor to deny credit. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX ( XXXX XXXX - XXXX # XXXX ) my loan proceeded ahead to the Underwriter and would take about XXXX days to process credit review. 

I recently purchased another home on XX/XX/XXXX ( XXXX Mortgage ) and refinanced my rental property on XX/XX/XXXX ( XXXX Mortgage ), financed XXXX vehicles, opened XXXX credit card, opened several installment accounts after my bankruptcy discharge date and during the 7 year reporting period for all credit agencies to report bankruptcies to financial institutions. Lastly, all of my debts to XXXX  were paid in full during my Chapter XXXX discharge ( XX/XX/XXXX ) and since then I have been denied credit by NFCU on several previous credit applications. 

I would like to know what makes XXXX different from other financial institutions approving loans after my bankruptcy discharge while XXXX denied my XXXX loan application which would be secured by my rental property? How many other XXXX  consumers have been approved for loans after filing for Chapter XXXX Bankruptcy? Lastly, I've been a faithful member of XXXX  since XXXX ; I use XXXX as my Primary Banking source to include processing all of my payroll direct deposits.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (DE)

In accordance with the fair credit bureau act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnishing account without my written instructions under 15 USC 166B a creditor may not treat a payment on a credit card account under open Consumer credit plan as late for any purpose
Consumer complaint received 2023-04-12
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: Self Financial Inc. (FL)

The credit bureaus and collections agency have violated my consumer rights, this was paid off XX/XX/XXXX, and is still reporting on my consumer report as unfavorable. It's currently listed as written off but the consumer paid for it. I have requested it is taken off and as of XX/XX/XXXX it is not removed. 

According to 15 USC 1681i ( 5 ), the dates and outcome are incorrect, and id like this to be fixed. 

This violation is hindering my ability to apply for a home and will result in a huge negative impact on my family and me. 

thank you.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I want to put a deposit of {$200.00} down on a vehicle through an advertisement on XXXX XXXX  and it turns out it was a scam and the person just took my money. This occurred on XX/XX/year>.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a XXXX XXXX  through XXXX XXXX. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/2024, I received a notification from my credit report stating that the XXXX XXXX  reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a XXXX XXXX, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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 2023-06-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for XXXX and never knew that they sent 7 cards to me due to never receiving any. I have received one card and when I received a email from BofA prepaid edd. Stating call the claims department I did so and found out that someone had stolen all the funding given to me from pandemic edd. I have submitted all paperwork they have requested and still have not been reissued the money that they is due to me. I have repeatedly called and complained still no resolution. One of the claims is 62 days and no denial or acceptance has been reached. They say it takes 45 days now Im receiving the run around.
Consumer complaint received 2022-11-25
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my dismay and frustration regarding your response to my request for the blocking of certain information on my Equifax credit file, as outlined in your communication dated XXXX XXXX XXXX I received your notification stating that Equifax is not blocking the information I specified in my request, in accordance with Section 605B ( c ) of the Fair Credit Reporting Act. Your response, which outlines the initiation of an investigation and contact with each company providing the disputed information, does not align with my explicit request for the blocking of the named information. I wish to reiterate that under Section 605B of the Fair Credit Reporting Act, I have provided the required proof of identity, specified the information resulting from identity theft, and submitted a copy of my complete Identity Theft Report to the Federal Trade Commission, available at identitytheft.gov. I find it perplexing that despite complying with the necessary provisions, Equifax is refraining from blocking the identified information. This contradicts the legal requirements set forth in Section 605B and adds unnecessary delay and complexity to the resolution process. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I anticipate that Equifax will promptly block the specified information as required by law. Failure to do so will compel me to escalate this matter to regulatory authorities and explore legal avenues to ensure my rights are upheld.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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