davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you in regard to a matter of utmost urgency concerning fraudulent accounts and identity theft reflected on my credit report. Upon reviewing my credit report, I have discovered accounts that are the result of identity theft, and I am requesting the immediate removal of these fraudulent entries.

I want to emphasize that I did not open or authorize these accounts, and I believe I am a victim of identity theft. I am deeply concerned about the potential harm to my financial well-being and creditworthiness, and I am taking immediate steps to rectify this situation.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the legitimacy of these accounts and take swift action to remove them from my credit report. I have attached supporting documentation, including a copy of the identity theft report I filed with law enforcement, as well as any additional evidence that may assist in your investigation. 

XXXX XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

I demand quick corrective action to address the errors that are still damaging my credit score because I am furious that this dispute is not being resolved.

I appreciate your prompt attention to this matter and your commitment to protecting consumers from the serious consequences of identity theft. If there are any additional steps or information required from my end, please do not hesitate to contact me.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

I have requested to transfer my balance on 2 occasions, once to a XXXX  account I own, which ultimately was blocked by Marcus, I called, and they were not able to " Verify '' me, although I have access to the phone numbers, and email on the account, along with 2 forms of federally accepted identification. I never received a response from their team who was supposed to contact me within 3 days, so I initiated another transfer to my XXXX XXXX, which Marcus should have on file, and they blocked that as well, even though I have used this account to fund my Marcus savings. I feel that they are illegally holding my funds with no solution in place.
Consumer complaint received 2023-12-18
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)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-12-18
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. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
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. (FL)

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
Consumer complaint received 2024-05-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: LIVE OAK BANCSHARES, INC. (TN)

After filing a complaint with the CFPB yestereday, I connected one of my XXXX XXXX XXXX accounts to try to send my money to. Live Oak Bank once again blocked the ACH Transfer. I then connected one of my XXXXXXXX XXXX  accounts and tried to send a portion of my money to it and the Live Oak Bank website said the ACH went through. Live Oak Bank subsequently blocked the transfer even though the account has the exact same company name and personal information on it. Soon thereafter Live Oak Bank realized I filed the complaint like I informed them I was going to and retaliated by closing my account. I was notified via email and immediately tried to login to my Live Oak Bank account to verify the status of my funds. My login failed so I immediately called them to understand where my money was. They said they were sending it back to the account that I originally funded my Live Oak Bank account from and I immediately informed them that was impossible since the account was closed. They said everyone went home and they would call me in the morning. I called them first thing this morning and was forwarded to an employee named XXXX. He claimed they sent my money yesterday to the original funding account, so I asked for proof of the date and time the funds were sent and to what account. He refused to provide the requested information and told me if the original account was closed, the funds would be returned to Live Oak Bank and they would contact me. I again told him I would like proof this actually happened and offered asked that the funds be sent to the XXXX  account I connected yesterday.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I called XX/XX/XXXX, and XX/XX/XXXX after being unable to link an external account to transfer money out of capital one account ( even though my external account already appears to be linked and I have paid my capital one credit card with it ). They told me I needed to add external account seperately for checking account which I tried to do but it still says " oops we've hit a snag '' and won't allow me to. I've been trying to transfer money for a week and capital one will not allow it. I will be closing my account with capital one as I'm very unimpressed with their banking services but may need help in getting my money out.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you with a sense of urgency and frustration regarding the grave inaccuracies in my credit report. Your failure to report accurate information is affecting my ability to secure a mortgage and is also causing me a great deal of stress. I have discovered several errors on my credit report which are impacting my credit score, and I demand that you take immediate and necessary action to rectify them. I have done my research and I know that it is your legal obligation to investigate and resolve disputes within a 30-day period. The following are the inaccuracies that I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
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. (IN)

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
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (DE)

On XX/XX/2023 I observed charges from California on my account that I didn't make. I called Chime customer service and disputed this charges, upon requesting the disputed transactions to be investigated, I had to be issued a new card due to the current information being compromised. My date for receiving the new card was XX/XX/2023. I reached out to Chime customer support today due to not receiving my reissued debit card, shortly after I received a text message saying my address was updated, then the agent from chime said my card wasn't shipped due to my address needing to be updated, as I tried explaining to the agent, my address has already been updated XX/XX/2023 and that I had an email confirmation showing this, after updating my address in XXXX, I received my new card in XXXX, so there was no way that my new card wasn't shipped due to needing a address updated. I was then told the card would be express shipped and that I would receive it in 3 to 5 days. I then requested to speak to a supervisor to express my concerns due to the further wait of not having my debit card to use for shopping and financial needs. I was then told by the supervisor that the agent gave me false information and that I was going to now have to wait until XX/XX/2023 until my new card would arrive, due to the fact they didn't offer express shipping for my account and that if he was in my position he would transfer his funds to another financial institution and close his account. I then spoke via phone call to another supervisor that told me they do offer express shipping for accounts but not mine, when I explained what the previous supervisor told me I was transferred to another supervisor due to " audio issues '' on her end. I then requested an option for faster shipping with the new supervisor " XXXX '' that I was now speaking with, due to their mistakes and inconvenience they've caused that my card be shipped express but was told that decision was in the hands of there advanced customer solutions team. I have not received any information regarding the initial cause of my information being stolen and used for XXXX XXXX  in California, and haven't received any emails regarding my card replacement. I have all communications between myself and chime staff both audio recordings, emails and screenshots of full Chime support chat. This is beyond unacceptable and has been beyond frustrating.
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (MI)

On XX/XX/XXXX, I was in a serious car accident that totally wrecked my XXXX XXXX XXXX. 
Because the car was a lease, my insurance company, XXXX issued payment {$200000.00} to the Lease holder, American Honda Financial Corp. for the value of the car. 
However, I only owed XXXX {$16000.00}. XXXX informed me that I would receive a check from them within 7-10 days of them receiving a check from XXXX XXXX XXXX XXXX received the payment from XXXX in XXXX and I still have not received my check for {$4100.00}.
Consumer complaint received 2023-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc. (CA)

Our mortgage loan was sold to Essex Mortgage and we have been unable to reach anyone from the company. 

I have made several attempts requesting a call back through their automated system ( XXXX ) as well as sending an email to ; XXXX ) and no response. 

Our mortgage for the month of XX/XX/2023 is approaching and we have no communication/clarification on the amount due and/or start dates to pay and were very concerned. 

We have spoken to our lender ( XXXX XXXX ) numerous times who has also been unsuccessful with clarifying a XXXX payment destination and XXXX XXXX  is now verbally requesting the payment for XXXX be sent to them ( Hence- Premier Mortgage emailed and mailed us letters stating effective XX/XX/2023 we are not to send them any funds ). 

We are first time home buyers and currently stuck between a rock trying to make sure mortgage is paid on time and to the correct Mortgage Company. Please help us!
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (IN)

Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!
Consumer complaint received 2023-12-18
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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: Bread Financial Holdings, Inc. (CA)

This account is not CLOSED. my credit limit increased by {$1000.00} this month. closed accounts dont raise credit limits. All three credit agencies needs to report the account as open.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOPE BANCORP, INC. (NY)

On XX/XX/XXXX I listed some items for sale on the XXXX website. In a couple of hours I received an email stating that one of my items had sold. If i would like to get paid and complete the transaction I needed to provide banking credentials so I can get paid. i did so thinking this was the process. I stupidly clicked on the link and entered my information. I know my banking information backwards and forward... I received an error message. That is when I realized what may have just happened. I went into my bank account ( BANK OF HOPE ) and saw that a bill payee was added ( XXXX XXXX account XXXX ) in the amount of XXXX I quickly called BANK OF HOPE and informed them that I did NOT authorize this payment of XXXX!!! The action was pending but I could not cancel the transaction. The bank told me I had to go through their fraud department. UGH!!! What fraud department?? I have yet to speak to someone or receive any communication!! The transaction was pending, why wasn't I capable of cancelling?? Why wasn't an alert sent out?? Big XXXXXXXX XXXX if you so much as move a comma you get an alert... Did you do this? Authentication through text message. NOTHING I received NOTHING from Bank of Hope. I have called many times to get an update. They redirect me to the branch tellers!! I don't want to speak to the tellers. they know as much as I do, which isn't much. I have emailed customer service many times. They have yet to email me back. They use fiserve.com as their bill pay. I have contacted them and nothing. I have a case Id XXXX and a case personXXXX XXXX XXXX but what is the point of having this information?? The fraud department can not be accessed by the customer!! Big US banks have dedicated Fraud departments where you can speak to someone. Bank of Hope has nothing of that sort. No one has reached out. I feel like this XXXX bank turned a blind eye to my case. If that is the case how many blind turn aways have they done?? They are a XXXX bank doing business in populated XXXX communities. Do they prey on the fact that mostly all of their customers don't speak English? This is so NOT FAIR! they should not be allowed to bank in the US. they don't have the same protocols as US banks. This should not be the level of customer service. I am truly disgusted with this bank. It has been almost a month now and I have yet to hear from anyone at the bank. I am hoping to get some resolution.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After reviewing my credit report, I noticed a few unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XX/XX/2023 Unauthorized XXXX XXXXXXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Consumer complaint received 2023-03-14
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I deposited a check into Citibank to open an account from my. I waited the 10 business days to get my ATM debit card once I got it I was working out of state in XXXX Massachusetts. ( XX/XX/23 ) I have my card on my XXXX XXXX over there. While my partner was using my physical card in XXXX XXXX XXXXXXXX where I live, I would get the fraud detection alert and clear it up with Citibank after every purchase or so but I recognize that it was purchases from two different places so that could cause the fraud alert. I got back to nyc XX/XX/23 and the next day the XXXX we went on a shopping spree however with every purchase Citibank would detect fraud and put a hold on my account. I would call and clear it up. On the XXXX the same process would repeat with me calling citi bank to unlock my account. I even tried withdrawal from the Citibank atm itself and that also set off a fraud alert and locked my account. Now XXXX  ( XX/XX/23 ) I withdrew {$1000.00} and ordered an XXXX and the fraud detection alert went off again however this time i called to get it removed but they said they could not verify my identity due to my phone number and would not give me any other explanation than their third party verification system would not allow me to use my phone number and there is no other option. They sent a letter that will arrive in 5-7 business days. I can not wait that long because I have a trip to XXXX XX/XX/XXXX meaning if I wait I would have to cancel my trip. I truly believe I am being discriminated against because of my race and living area. I do not believe every other customer at Citibank goes through this type of scrutiny when accessing their funds.