davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter out XX/XX/ to XXXX, XXXX and Equifax. Here are my certified mail return receipt tracking numbers. [ Equifax XXXX ], [ XXXX XXXX ], [ XXXX ] and I have attached a XXXX with copies of the green certified mail return receipt card to this complaint. 
However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 
I thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers 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. 
In the letter I sent, the below accounts on my credit report were being disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. 
I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. 
XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX - Equifax- XXXX XXXX XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.
Consumer complaint received 2023-03-31
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. (WI)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-12-27
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account is reporting negatively as collections on my credit report despite not having any monthly historical data at all. This account is reporting negatively as collections on my credit report despite of my long-standing history of on-time payments. THIS IS CLEARLY INACURRATE REPORTING.
Consumer complaint received 2024-04-22
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. (CT)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-08
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

FAIR COLLECTIONS & OUT ACCT # XXXX Amount {$5900.00} Requested verification, disputed online with credit bureau to the collection agency stating that I dispute the validity of the debt and that I want documentation verifying the debt. If the debt can not be validated by the collection agency, must remove from credit report within 30 days.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

On XX/XX/year>, I transferred {$26000.00} to my savings account at Citibank. Following a prolonged and arduous ordeal with Citibank, they opted to close my accounts, citing business activity in personal accounts as the reason. However, they have chosen to segregate the funds transferred from XXXX in XXXX into a subledger. They have instructed me to contact XXXX to initiate a hold harmless claim against Citibank to retrieve my funds back to my XXXX account. Currently, I've asked XXXX to initiate a hold harmless claim on my behalf for {$24000.00}, or alternatively, to provide guidance on the subsequent steps. This issue has persisted since XXXX. The entire ordeal of account closure and fund release has been incredibly troublesome, and now Citibank refuses to issue a check for the remaining funds. They have no justification for withholding my funds without cause. This process has been draining and burdensome. I'm considering whether I should hire a lawyer to pursue legal action against Citibank. They have no grounds to retain my funds unjustly. It's not my responsibility that their compliance department lacks understanding of proper investigation protocols and fails to accurately assess risk. Moreover, Citibank shouldn't detain clients ' funds due to the incompetence of its employees during an investigation. With two decades of experience in banking, particularly in compliance, I assert that Citibank has no grounds to withhold my funds for five months.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-12-27
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-27
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. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (FL)

On XX/XX/year>, in an attempt to transfer money from my XXXX  XXXX XXXX account to my Citi Bank savings account, I accidentally sent a bill pay check for {$19000.00} to a very old Citi Financial Retail Services account that was linked to my XXXX  XXXX XXXX account over 16 years ago. Citi Bank received and deposited the check on XX/XX/XXXX into an account that no longer exists. 

Between XX/XX/XXXX and XX/XX/XXXX, I called Citi bank and Citi financial Retail Services numerous times for help, but they keep telling me that the account referenced on the check is not an existing account and therefore there's nothing they can do to help. 

XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX department has also been involved and they have reached out to Citi Bank, but no one at Citi bank or Citi financial services has been able to help. 

The check should have bounced since it was to a closed citifinancial retail services account, but somehow the check was deposited into a Citi bank account. 

XXXX XXXX XXXX has provided me with a back and front copy of the endorsed check that Citi bank deposited, somewhere.
Consumer complaint received 2023-12-27
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (GA)

My cash app card was stolen on XX/XX/year>. XXXX charges were made the morning of the XXXX before I was aware that it was missing. One at a XXXX and the other a few minutes later was made at a XXXX. I filed a dispute with cash app about the XXXX charges. Cash app approved the dispute and refunded the {$10.00} from the XXXX transaction. However the dispute from the {$160.00} XXXX transaction made just an hour or so apart was denied. A police report was also submitted on the XXXX unauthorized transactions. I also had my card charged from XXXX XXXX for XXXX $ and when I tried filing a dispute for that charge my card was deactivated and when I asked them why they declined to give me any reason. Ive been a loyal customer and have done a lot of business with cash app and thought they were an honest company. My opinion has since changed. Please advise them to return the funds that were fraudulently taken from my account and return my cash app card privileges. Thank you
Consumer complaint received 2024-05-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

The issue began some time ago when I found out that the school that I attended " XXXX XXXX XXXX in XXXX through XXXX XXXX XXXX on the studentaid.gov site was defrauding student and that it closed down, and the time frame XXXX XXXX XXXX indicated the issue with the school XX/XX/XXXX - XXXX Closure ) I was there from maybe XXXX, XXXX XXXX ). Because of this act I informed Navient through email and on ( XX/XX/XXXX ) and they responded to me that they were willing to help in email sent to me. ( XX/XX/XXXX ). It got to XXXX XXXX I was talking to someone every other week to get the proper information for the form " school mis conduct application '' I needed to help with the possible discharge of the XXXX private Loans that were all " XXXX XXXX XXXX. 

Navient sent the application " XX/XX/XXXX. I did not know I had it until I made a call and asked about the application again. Eventually I sent all my information related to the application, XXXX XXXX XXXX letters indicating that my loans were XXXX and that they refunded me XXXX when doing so. Also, I've been sick and out of work since XX/XX/XXXX, so XXXX months almost while having to deal with the loan 's situation and now my declining health. Navient gave me a forbearance for maybe XXXX month and a half. At the moment I do not know if I will be able to go back to work since this new health crisis. It's frustrating, especially since I've never missed a payment and the only result is that they will possibly give a XXXX forbearance but in end your interest goes up but see in this case they only gave me maybe XXXX  days of forbearance and I also payed this month private loan of XX/XX/XXXX, and I provided the Borrower of defense information and Navient indicated that " Misconduct '' of my school does not meet the requirements for a discharge ''. While at the same time XXXX XXXX XXXX has been closed down for defrauding students.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (AZ)

Discover bank frozen my account for XXXX to 12 days due to I used thier Discover debt card at ATM for suspicious transaction. A Discover Agent told me that I have to fill out a ID verification form and have the notarized. The Discover Bank to me that my funds will be available within 2 to 3 days. Due to my direct deposit is on their debit card. I cant buy food, gas, medication and/or my bills due to Im disable.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

I had credit card in my possession. 
transaction denied because they said chip card technology used and can not be counterfeited. 
Obviously I cant be in another state and make any of these transactions on XXXX XXXX. 
they have been able to make charges using my information. I did not give the card to anyone to use. Their fraud department needs to do more research on how somebody made charges in another state using my information. 
this was the same reason wells fargo gave me. 
it is obvious there is a security problem because I had my cards in my possession. 
Please help. 
Thank you.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

great significance concerning the inaccurate information presented on my Consumer Credit Report. This incorrect data has resulted in significant hardships for my family, leading to the denial of credit and challenges in securing essential resources for our well-being. 
These inaccuracies have directly resulted in the denial of credit, which has had a domino effect on our ability to obtain vital resources, such as a car for employment and a stable residence. 
Never Received Witten Communication via CERTIFIED MAIL. Vehicle wrongly taken up for XXXX 2nd time i believe a XXXX XXXX XXXX  was made but due to Not having knowledge of the law I was made to pay extra and interested increased.Deferment payments never accepted.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE ARE NOT CREDITING MY ACCOUNT PROPERLY.

IT IS ILLEGAL TO REPORT TRANSACTIONS HISTORY ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes. 

( 2 ) Fees for preparation of a deed, settlement statement, or other documents. 

( 3 ) Escrows for future payments of taxes and insurance. 

( 4 ) Fees for notarizing deeds and other documents. 

( 5 ) Appraisal fees. 

( 6 ) Credit reports. 
AS PER A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION I MAY HAVE GIVEN YOU WRITTEN, UN-WRITTEN, VERBAL, UN-VERBAL AS PER 15 U.S.C 6802 ( b ) Opt out ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third parties ALSO ANY CHARGE OFF ON MY REPORT IS CONSIDER A CERTIFICATE INDEBTEDNESS BY LAW INCOME AND INCOME CAN NOT BE REPORTED. 
APPLY ALL RULES OF THE FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT OF XXXXFOR VIOLATION THAT APPLY. 
ALSO REFER TO THE INDENTURE ACT OF XX/XX/1939 ATTACHED
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

One day XXXX i  called to check account had money i it i asked why it was closed they said you havent used it i said theres money in it im not sure how much they said theyd send a check they never did. i had a XXXX XXXX XXXX  acount that had no fees and couldnt possibly go negative wheres my money from XXXX XXXX
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I found that my Chase saving and checking accounts were locked. On XX/XX/XXXX, I tried to call the Chase Bank and to check what happened. They told me after reviewed my accounts, they decide to close my accounts. I was shocked, because I have been Chase account for more than 7 years and I didn't have any suspicious activities.