davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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. (TX)

Attached below is my notarized notice of intent to file a lawsuit that has been mailed to the registered agent of TransUnion, XXXX XXXXXXXX XXXX XXXX via certified mail, tracking # XXXX. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) : ( 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. TransUnion has violated federal by furnishing a consumer report on my behalf without following my written instructions and no consent is identity theft. Attached below is also my original identity theft report I have sent to TransUnion with all the fraudulent accounts and unauthorized inquiries that I have indicated to TransUnion as fraud over the phone which has been recorded and will be used as admissible evidence in court. TransUnion tried to deny me my rights to record but in Texas, you are allowed to record as long as one party is in agreement.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

The ATM at Regions in XXXX, GA does not have a drive thru ATM. You have to get out of your vehicle to use the ATM. This is the only branch that does not have a drive thru ATM. It is very inconvenient and dangerous. Also, the XXXX department needs to recognize PR as payroll so early pay can be done.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently checked my credit report and noticed some inquiries I did not approve nor know how they got there. I never opted in to a contract with this company nor can they provide me with a copy of any agreement I have with them, that is because there isn't one. 

This false reporting is damaging to my credit as I am preparing to buy a home for my family. I need this error to be removed IMMEDIATELY. 

XXXX XXXX XXXX has placed this on my credit report since XX/XX/2022 I also contacted the credit bureau regarding this matter. 

Thank you
Consumer complaint received 2023-04-29
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. (CA)

UNAUTHORIZED INQUIRIES IN CREDIT REPORT : ID THEFT REPORT INCLUDED 5TH ATTEMPT TO CORRECT THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am listing the following inquiries below which I never authorized and I ask that they be DELETED from my credit report due to being placed on it without my expressed consent or written authorization! 
XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (NY)

Since 2019 there has been an old email address added to my credit report. The old email address is being logged into by someone other than me. When doing so, they have used the information for stalking, abuse, and harassment. I have updated my email address to the current email several times, and sent by mail copies of my drivers license, with letters requesting that my current email be the only one added to the credit report. Regardless of how many times I have updated the email address they still change it back to the old one. The person using the old email has all of my personal information. They are also stopping me from housing, transportation, employment, and other medical.
Consumer complaint received 2023-11-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: OPORTUN FINANCIAL CORPORATION (MN)

Since XXXX I have asked Oportun Inc to send me all the documentation of my contract, payment record and a report of the interest they charge me. I feel that I suffered predatory abuse with the payments I made. But so far they have not responded to me. They have sold the account and now both companies appear in my report for the same account.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

I invested in a product that was advertised as an extremely safe, XXXX USD-backed USD equivalent Ethereum token created by the Gemini XXXX and regulated by the most strict NYDFS. This product was advertised as an interest-bearing product and, " redeemable for USD at anytime. '' However, it has been over one year since I requested the exchange of my GUSD into USD and it still has not been provided to me as promised. This exchange is still in business making profits off of similar business practices that we have now come to know as fraudulent. Had I known that XXXX was not backed XXXX, or that Gemini converted XXXX deposited into the Earn program into some other risky asset, I would not have used their services. Had I known they were lending their assets to only one entity, I would not have used their services. None of these risks were made clear at any point when using their services. 

They literally invented XXXX themselves, advertised it's equivalency with the US Dollar, boasted about the regulatory clarity, bragged about it's security and traceability, but then proceeded to LOSE ALL OF IT! Where is the XXXX now, how could it disappear if it is traceable? The questions and answers are obvious : THIS IS BLATANT THEFT AND FRAUD! 

Customer 's have killed themselves, customer 's have been without their funds for over a year. Many of these customers had a lifetime 's worth of savings invested in this " US Dollar Equivalent. '' Gemini has provided meaningless communication updates every month or so since the fraud they conducted in 2022. These updates are absolutely empty of any substance and yet it is this very empty communication that seems to satisfy the CFPB enough to close all the complaints related to this? 

IT IS AN ABSOLUTE TRAVESTY WE ARE NOT PROTECTED FROM THESE BAD ACTORS. GEMINI IS STILL CONDUCTING BUSINESS LIKE NOTHING HAPPENED. IT IS SOUL-CRUSHING AND FINANCIALLY DEBILITATING TO BE A PART OF THIS CLASS OF VICTIMS WHO HAVE BEEN UNWHOLE FOR OVER A YEAR! 

THE CFPB NEEDS TO DO SOMETHING TO RETURN OUR FUNDS ASAP! PLEASE!
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

Key bank : I deposited a business check into my business bank account. The bank froze my account due to the name of the check being my XXXX. 

I provided them with every document they requested but continues to move the goal post and ask for more documents which I have provided. Today they informed me that theres nothing else they can do for me but to try to get another check. 

So basically they took my check and some how flagged it as fraudulent but wont let me deposit in my other business account for some reason.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

On XX/XX/23, I did two ATM withdrawals back to back ( ATM XXXX XXXX XXXX XXXX XXXX CA XXXX ), one for {$800.00} and another for {$200.00}. The transactions deposited {$750.00} and {$150.00} back ( {$100.00} short ). When I saw that the bills being dispersed were crumpled in the machine, I counted and realized I was short {$100.00} total. There was a post-it note saying broken. I called my bank and they said they would process it, but I have just been rejected. This is unacceptable as the ATM was broken and my funds were not deposited.
Consumer complaint received 2017-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX   XXXX  did n't replying in a timely manner to my initial letters, or have they to date a fter 4 cert ified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of f ederal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. Fal se or misleading representations  [ 15 USC 1962e ] As t hey have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other actio n ( or i n-action ) on their behalf has resulted in a small claims action against their company  in   XXXX   XXXX  .      As well they did not place on my credit report that I was disputing the account.     I also am filing lawsuit against  XXXX ,   XXXX    &  TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (AR)

This account does not belong to me and I would like for it to be removed from my XXXX, XXXX XXXX XXXX Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX AR, XXXX.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

I attempted on several occasions to receive my free report on XXXX website and also annual credit report and was unsuccessful. I contacted XXXX and a representative informed me that I was unable to get a credit report because they have my file mixed with someone by the name of XXXX XXXX same dob. My name doesnt even come close to that. That still does not matter how can you merge files and tell a consumer they are unable to un merge them so I dont know what is on my credit. It is the law for me to be able to receive a free credit report. I want whoever is responsible for putting these files together to be held responsible. That is unfair. I was also told by XXXX & Equifax that they are unable to provide me a credit report. I attempted calling to reset passwords and I was told in 7 days they will get back to me. It has been now XXXX  days and still no access or resolve
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/2023 I opened a personal checking account online with Santander Bank. 
I sent electronic opening deposit in the amount of {$9000.00} from my XXXX business checking account which posted on the XXXX of XXXX. 
I immediately began using my account such as paying rent and other misc. bills. 
It was until I went into the Santander Branch located at XXXX XXXX XXXX on the XXXX of XXXX to make a wire in the amount of {$940.00} is when the issues began. 
Banker XXXX XXXX asked for ID and wire info which was normal but once he saw the amount that I deposited, he asked me what I did for a living then asked why a company is depositing this money in my account. I immediately was taken back by the intrusive question that was asked without context. I explained to him that this was my business that I owned. He left the room and came back and said he needs to make a copy of my ID in order to complete the wire. 
Once he comes back 5 mins later ; he said that he needs paperwork to show proof that I own that company. I started to feel uncomfortable, and asked for him to close my account. he said he can't close my account because Santander doesn't close accounts at the branch only online. 
He then but the branch manager, XXXX XXXX on the phone who said that I need to provide proof of my business ownership. I told her that I just want to close the account which they said they cant do at the branch. I then left. 
By the time I got home which was only 7 mins because I live in the neighborhood ; y account was locked. 
I called XXXX XXXX and she said they will unlock my account only once I send in proof I own the business. I then emailed her with documentation however she disappeared and avoided my calls 2 days later. 
On XX/XX/XXXX ; I found out that my bills that were paid were reversed by the bank and that they wanted me to 'replace ' funds that were used on my account before they reverse the initial deposit. 
I made a deposit of {$1400.00} on the XXXX of XXXX to resolve this matter however they have not been able to give me any information on when my {$9000.00} will be returned. 
I have taped calls and written communication that shows how unfairly I was treated and that they were focused on trying to keep my account opened in order to resolve this. The blockage of funds on my account was out of malicious intent because I wanted to close my account.
Consumer complaint received 2022-12-20
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$550.00} ; XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX Balance {$2700.00} ; Original : XXXX Balance : {$33.00} ; XXXX XXXX of XXXX : XXXX ; XXXX XXXX  XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (TX)

I purchased the XXXX  XXXXXXXX XXXX XXXX on XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX NV . My salesperson was XXXX. XXXX XXXX XXXX offered me the Loan, XXXX down, XXXX Interest rate and 72 months. Love the vehicle, but in XXXX left XXXX XXXX, NV, got on the highway began to have serious problems. I ended up purchasing a new battery went back to XXXX XXXX, NV around XXXX and XXXX helped me with the cost of the battery. My mailj was going to my son house I got my mail from American Credit Acceptance for the first time not missing a payment and notice they had taken all of the first two payment, and some of the third Principle and Interest were not being deducted correctly. It appears not one of my payment are correct so far, and they don't breakdown the amounts on my bill. I have spoken to them several times even Manager about the Billing problem. Most seemed to avoid the issue or not answer my concerns not comfortable with the Customer Service Personal at all, and not honest.

Notice on my credit report the balances were far above what they should have been because they were more than the car cost {>= $1,000,000} at purchase time, every balance I have seen. The loan was 72 months it now says 73 on credit report. I have returned the car back to then XXXX XXXX because of them taking money from my. This is my 4th bad car deal in 6 years two within the same year, please help I have lost lots of money. American Credit Acceptance then called me to take the car back I started to a mix of confusion, I am a XXXX XXXX XXXX suffer with confusion often, and the fact that This Texas Heat had me getting sick when I would go out really bad. but I didn't take it back. They have threaten further charging me, fee etc. please help.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK (CO)

I reported fraud on XX/XX/XXXX, for approximately XXXX, I think it was in total, they put the money back in my checking account. Then suddenly on Friday they yanked XXXX back out. I never received a written notification that they were going to do so. Plus I know that I did not authorize the original transactions and neither did my husband. Someone on our vacation we were on did steal my card though.
Consumer complaint received 2023-04-29
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. (MI)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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: U.S. BANCORP (MS)

There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.
Consumer complaint received 2023-11-21
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. (OH)

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.

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 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have filed a dispute regarding the incorrect items on my credit report. It has been well over XXXX days and I havent received any investigation results. I've sent follow up letters and still no response and investigation still shows as open on their end.