davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
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: AMERICAN EXPRESS COMPANY (NJ)

I have XXXX HARD INQURIES ON MY CREDIT REPORT THATS STOPPING ME FROM PURCHASING A HOME. Iam A VICTIM OF FRAUD I NEVER AUTHORIZED THE CREDIT CARD COMPANY TO SELL MY PERSONAL INFORMATION WITHOUT MY CONSENT. I WOULD LIKE ALL OF THE HARD INQURIES TO BE REMOVED OF MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC (PA)

XX/XX/2023 I try to send money to a relative in the XXXX XXXX dollars I found my relative email to use and send the money only later to learn they did not receive it I carefully look at the email it was missing a XXXX XXXX and therefore this might be why it went somewhere else I contact Zelle they said they cant stop payment to call next day and they would perform a reversed of payment no I look at my account no refund I contact XXXX XXXX on XX/XX/3023 they said they will contact fraud and they will issue credit that too was declined now I am out of XXXX they blame me what can I do this is scam
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Hi there! 
I opened my business checking account at Citi Bank on XX/XX/XXXX. After 1 week, they closed this account without any notice. I couldn't use my debit card so I came to a brand and talked to the worker that opened the account for me and let him know why this account is closed. He called the back office and they told him this account was closed due to fraud warning by the other bank. I never know I have any fraud warning and never have any denied by other bank so I am disputing with the fraud department now for it. 
Anyway, they told me they will send a check of the balance {$3300.00} within 30-60 days. The account was closed on XX/XX/XXXXXXXX  and today is XX/XX/XXXX. It's almost 90 days already but I didn't receive my money back. I called customer service many times and also came to the branch but I got the same answer that they don't know where is my money going. Even the branch called the back office and same answer. So who know and can help me to refund my money?! It's ridiculous and distressing. I just hope I could get my money back. Please help me! 
Thanks a lot!
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Status of this account is Showing Paid or Paying as agreed but it also show XXXX payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX, Transunion file Pursuant to My Fair Credit Reporting Act.
Consumer complaint received 2017-05-08
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. (GA)

I re cently decided that I 'm ready to buy a home. I pulled my credit report from ALL  XXXX  Bureaus and there 's nothing but inaccurate information and accounts that do n't belong to me. A while ago my purse was stolen and I have n't applied for anything since. I mainly bought things in CASH. However, not realizing that paying in CASH is n't always the best option. I am beyond furious with these reporting agencies. It seems as though they 'll report ANYTHING even if it does n't belong to you. I filed another police report for IDENTITY THEFT and still NO RECONCILIATION. I 've even taken taken the liberty of contacting ALL listed collection agencies asking for PROPER DEBT VALIDATION w/ SIGNATURES and still nothing.I am ready to close on my new home but these fraudulent accounts must removed prior to my close date in   XX/XX/XXXX . He re are the following fraudulent accounts : * XXXX **-   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATIONS ) ;   XXXX   XXXX   XXXX  -   XXXX   INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX   XXXX  -   XXXX   XXXX   - XX/XX/XXXX  ,  XXXX -  XX/XX/XXXX ,  **EQUIFAX** -   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX    :  XXXX  ,   XXXX   XXXX   :  XXXX  ,   XXXX   XXXX   XXXX   ( this company is reporting twice and it looks as though someone had household goods, mind I bought my furniture CASH years ago and I do n't apply for credit unless it 's with   XXXX   XXXX   ) ;   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATONS ) ;   XXXX   XXXX   XXXX  -  XXXX  ;   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX  XX/XX/XXXX  - XX/XX/XXXX   ,    XXXX   XXXX   XXXX    -  XX/XX/XXXX  ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX  - XX/XX/XXXX   XX/XX/XXXX ,    XXXX -   XX/XX/XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   -  XX/XX/XXXX   ** XXXX **-   XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX   XXXX  -  XX/XX/XXXX
Consumer complaint received 2023-09-03
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. (CA)

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

XXXX - Account info/ Account number # XXXX XXXX XXXX  -Account info /Account Number # XXXX  XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was a victim of Identity Theft, while in XXXX, Ohio. I had my wallet, and XXXX XXXX. The individual or group that stole my belongings, were able to access my checking account information, credit cards, passport information, and information about my mortgage. Being a victim of Identity Theft has caused several issues on my accounts, due to Thousands of dollars coming out of my checking account. This account was open in XXXX of XXXX, and is reflecting late payments in XXXX, XXXX, and XXXX. I explained my situation to the customer service manager, and he stated there would be no late payments reported and that we will work with you regarding this matter. I have worked very hard through school and in my career, and if the company is not able to honor the police report, and police officer statement, and remove the late payments reporting for the months of XXXX, XXXX, XXXX of XXXX. I will file bankruptcy on this account. I would like a response in 30 days, in order to proceed with filing.
Consumer complaint received 2022-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (MO)

I was a victim of Identity Theft, while in XXXX, Ohio. I had my wallet, and XXXX XXXX. The individual or group that stole my belongings, were able to access my checking account information, credit cards, passport information, and information about my mortgage. Being a victim of Identity Theft has caused several issues on my accounts, due to Thousands of dollars coming out of my checking account. This account was open in XXXX of XXXX, and is reflecting late payments in XXXX, XXXX, and XXXX. I explained my situation to the customer service manager, and he stated there would be no late payments reported and that we will work with you regarding this matter. I have worked very hard through school and in my career, and if the company is not able to honor the police report, and police officer statement, and remove the late payments reporting for the months of XXXX, XXXX, XXXX of XXXX. I will file bankruptcy on this account. I would like a response in 30 days, in order to proceed with filing.
Consumer complaint received 2022-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Shared with out consent, credit inquiries from unknown soucres. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
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: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-11-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MA)

I dont know whats happening but I only had federal loans and they kept being sold to new servicers. I owe more than I did when I was in school, and I owe more than I thought I took out to being with ( not to mention more than it should have cost ). Im also in the forgiveness for the scam tactics of the school but despite filing in time, it wasnt apparently seen or whatever so it didnt count. And throughout COVID, Nelnet said I had to keep paying because my loans dont count somehow. And now theyre only partly deferred. So I applied for SAVE for what I have because I make like $ XXXX a year and cant afford these and they told me they cant process my application unless I pay them. So I have to pay them for help?! 

Im so frustrated and depressed. I cant live like this.
Consumer complaint received 2023-09-07
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. (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.

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 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

I filled a dispute years ago this has been hunting me since and I had no knowledge of this account being opened if I would have I would have do anything to stop this froud act I take responsibilities for my actions I will not pay for this account I did not open i have no control over when this account was open I can assure u I was not me now these hard delinquency that come up on my credit report make it impossible for me to get a loan when I most need it to provide for my a loan for emergency my money to get me out a financial problem over this account I already filled a dispute on is still on my reports
Consumer complaint received 2023-11-25
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: BMO Bank, N.A. (CA)

I'm a Bank of the west credit card customer. Which is now took over by BMO and I did have some balance on my credit card issues by Bank of the West with automatic payment. Which was stop on XX/XX/2023 due to BMO integration/technical issues. 
Now BMO is negatively reporting on my credit report.
Consumer complaint received 2023-11-25
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC (NV)

They took the car about 10 months ago or so and I had personal items in the car we did not no that they we're coming to take the car because my husband called them to let them know that we would make a payment but they did not want to wait and I feel like this repo should not be on the credit report because we had a payment plan and the company was receiving the money yeah it was not the whole amount but we did let them know when we could make a payment and they just came and towed the car
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$740.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute a fraudulent account on my credit report. I have previously submitted disputes regarding this account, but it continues to appear on my credit report, negatively affecting my credit score. I am providing detailed information regarding this fraudulent account in the hope of having it promptly and permanently removed from my credit report. Account Details : XXXX XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX XXXX XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following accounts and information off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$690.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I have read thatt according to the Fair Credit Reporting Act section 605b, you are required by law to remove any acounts and information that resulted due to identity theft, so please comply with the law.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

The Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/23 From XXXX XXXX On Behalf of Him and Another Business Partner, to Invest in my Invention and business. They contacted Citizens Bank a few times, To which the Bank isnt releasing my Funds. I will not stop until I get my funds from my Business account and Checking account that I had with them. 
Please kindly Help me. 
Thank you Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX