davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to inform the Equifax Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX, Trans Union, and XXXX has failed to provide the method of verification for the XXXX XXXX XXXX account reporting on my credit report. I have written XXXX numerous letters request and verification methods. However as of today no method or proof of verification has been given by XXXX nor XXXXXXXX XXXX XXXX. As a result of this inaccurate reporting my credit score has dropped tremendously and it has caused me to be denied credit by several different companies. 
Furthermore I feel that experience is not providing their method of verification because they are using secondary credit reporting agencies that they own. The use of such is a complete conflict of interest and violation of all FCRA Laws. 
Please inaccurate reportings are causing harm stress and unnecessary financial burdens on me due to my current utilities, insurance, and other necessity bills are based on my credit worthiness and report. Especially insurance I'll pay all your premium because of my credit report.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

So I open a new account wit sifi bank. After a couple of weeks I start having problems with an authorized transactions, So I contact them to inform them about the inattorized transactions on my account, They close my card and issue a new, So then. 
Without without any explanation, they proceed to close and freeze my account. Supposedly supposedly because I have violated the company policies which I have no idea. What are they talking about? The only thing they told me it was that because I deposit a check that apparently was fraudulent. So I contacted them to notify them. It wasn't me. The person deposited that check. I explained them. That XXXX is been missing in the neighborhood lately. And that's some of my personal information was also stolen. I even have a police report for that. So I contact XXXX to explain them that it wasn't me. The person who was using my account so that I have no idea about the check. They're mentioned but they didn't listen to me. And they just frost my account and They Refuse to gave me my money from the balance of my acfor the disputed XXXX sections and I still haven't got nothing.It 's been more than two and a half months.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC (CT)

To start off, I have been in the process from moving into a new place with my significant other. This has been the last three months, XXXX, XXXX, was able to settle in XXXX due to the fact that said significant other, lives in another city, I was bouncing back and fourth in houses for a bit because of the distance as well as work. That was in most of XXXX. Given this has been taking a while, a lot of my mail was continuously being sent to the old address as it does unfortunately. Resulting in me not acquiring and mail about this ability to distribute said debt of XXXX
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

XXXX XXXX XXXX XXXX {$390.00} XX/XX/2023, I ordered a bedframe, which was returned on XX/XX/2023, via XXXX and I was never refunded, the merchant received it and signed for it. XXXX has been aware for a while and constantly states I would be refunded but have yet to receive it. I have tried reaching out to discover via mail to no prevail and even calling but every time I call it states my call cant be serviced. But they can respond when I ask them to waive a late fee on my account. XXXX picked up the package and I even have them on video taking the package. Tracking number is XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX {$520.00} on XX/XX/2023 I was only refunded {$20.00} on XX/XX/2023, XXXX on XX/XX/2023, only a total of {$100.00} has been refunded so far. I am unable to reach Discover, which I find to be an issue especially if I can not call and confirm if they received my mail too. {$420.00} I have been trying to dispute with them. 

I have provided them the tracking numbers in my first complaint with the CFPB, nor did they address my issue of me not being able to call, I have a recorded audio from months ago of a worker stating she will block my number from calling hence every time I call Discover Bank it states my call can not be serviced. Discover Bank has been ignoring my claim. DISCOVER BANK allows its associates to block you from calling when you have issues with them.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

They are reporting wrong information seeing my credit score is way lower when its actually higher not reporting the right balances and getting those companies the wrong information about my credit report and not correcting items on my credit report that I am in good standings instead showing negative Ive been in contact with XXXX XXXX and Equifax and experience to fix these issues, but they have still not
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
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: ALLIANT CREDIT UNION (NM)

Paid off auto loan. Time passed and I was only sent a release letter. I reached out to Alliant asking for the title and was first told the title " was never received by Alliant ''. I asked for clarification, then was told " the title was electronically released on XX/XX/24 '' whatever that means. I asked AGAIN for clarification on why my title isn't being sent to me and was told " After the electronic title was released, your local DMV would have mailed your title. If you have not received the title, you can take the lien release issued to your local DMV to request a replacement title to be sent. '' I don't believe the DMV should have been holding my original title. I also don't think I should be responsible for the related fees and time involved in requesting a duplicate from the DMV. Where is my original?!
Consumer complaint received 2024-04-26
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. (NC)

I checked my credit reports on XX/XX/year>, and noticed that these accounts are still reporting inaccurate information. I have provided documentation to fix these accounts but nothing is getting done. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX  On my XXXX report I provided previously it showed no late payment for the closed XXXX account and you keep putting XXXX on my report when it's a 1099-C with legal paperwork from XXXX telling you to delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments when I in fact had XXXX XXXX XXXX XXXX XXXX and legal paperwork under the cares act late payments are not allowed because of a XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third 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 three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-02
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Upon receiving approval of my XXXX and XXXX XXXX, I waited for a debit card from Bank of America that nevee came. Someone had done am account take over and for over XXXX years I have been trying to get my benefits. I sent in a police report along with supporting documentation. My disputes were pending for over XXXX years without any provisional credit or resolution. Recently at the end of XXXX, I phoned in again and the supervisor closed all of my 2 year pending disputes and filed new ones. The claim numbers are as follows : XXXX for. {$19000.00}. Claim XXXX for {$12000.00}. Claim XXXX for {$7500.00}. 
Claim XXXX for {$21000.00}. I have been without my benefits for years and now Bank of Ameeica has closed my claims stating the transactions are too old. Then this morning they credited my account with {$2.00}. They denied my hardship request and I continue to suffer because of Bank of America 's handling of my claims and their refusal to reimburse me for all of the fraud on my account, then took over XXXX years to investigate, and then closed my claims to file new ones just to deny the disputed due to the age of the transactions. Just last month, I finally received my benefits card with only {$9.00} in my account. I sent in my police report and all supporting documentation years ago, but Bank of America states that they lost my documentation. The notes on my account are endless and each new call brings more confusion and more doubt that Bank of America will ever practice business under the regulations they continue to ignore at the expense of customers like me. I have lost everything and I will not stop until this is made right. It is beyond belief that this has been allowed to continue for so many years. I am asking for your help in this matter. Please help me to recover benefits that were taken from me years ago and still today, my rights continue to be violated through Bank of America 's mishandling of my claims.
Consumer complaint received 2024-04-26
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)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and 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 2024-04-26
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. (IN)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received XXXX letters from your company office, addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Both letters are dated on XX/XX/year>. XXXX of them asked me to provide the necessary documents for initial XXXX fraud alert. Even though I must have sent the documents, which must be necessary for the XXXX extension alert, I have decided to send this one, because this one does not ask the copy of social security number. Instead of it, it asked utility bill or pay stub along with drivers license or birth certificate. After considering seriously, I have decided to submit the utility bill of XXXX XXXX ; therefore, it must be enough to verify my address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. If you want further information, please let me know with appropriate explanation. If you prefer more personal information, besides my XXXX passport, I can provide the document with notary. 
Sincerely,
Consumer complaint received 2023-09-26
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: ALLY FINANCIAL INC. (NY)

My credit report is showing late payments to ALLY FINCL XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Ally Financial 's customer service representative.
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Crow Creek Sioux Tribe (MI)

On XX/XX/2023 I was made aware that someone had obtained my information via a data breach and used it to fraudulently apply for a loan with several online loan companies including XXXX ( XXXX XXXX XXXX  ). I was contacted by this company to verify and explained that I never initiated this loan application and they told me that they would cancel the account. 

I then found inquiries related to this transaction on my reports from XXXX XXXX, XXXX XXXX, and XXXX XXXX. I disputed all three. XXXX XXXX  removed the information, but XXXX and XXXX would not remove the information. They instead directed me to work with the lender " XXXX XXXX '' to have it removed from their side. 

XXXX XXXX, XXXX " XXXX XXXX XXXX ''. Some of the inquiries show up as XXXX XXXX. 

I contacted XXXX XXXX to do this and they had their investigations team email me. Their email wanted me to send a digital copy of my drivers license and FTC Identity Theft Affidavit and or/police report, but provided no secure way to do so. They did not provide an alternative option of verifying my information such as XXXX Mail or Fax. 

It is unclear to me why XXXX XXXX and XXXX wouldn't remove the inquiries from XXXX XXXX at my request as a result of my dispute. I never initiated the loan in question. I provided identifying information and documentation to both credit bureaus to prove this. XXXX XXXX couldn't verify the loan and never funded it to begin with. So by definition those credit inquiries are inaccurate and should be removed. 

I'm happy to cooperate with LevelUp to resolve this but I am reticent to just email these documents to an unknown company in an insecure way. A data breach is how this problem started.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Bureau of the Hudson Valley, Inc. (LA)

This collections company insists on keeping derogatory remarks on my credit file even when they are the only ones reporting out of the XXXX reporting agencies. 
I have asked previously if they can confirm that they are legally working for the original creditors and could they name them but they refused. 
Also, it says that the date the account was opened was XX/XX/2023 when this in fact is a bold lie Also, I informed the company that it is illegal to report charge offs on my credit file as a charge off is a certificate of indebtedness which is income, and must be removed immediately
Consumer complaint received 2024-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

Foremost, CAPITAL ONE is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, CAPITAL ONE is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2023 I was traveling with my son thru XXXX XXXX CA.I needed some cash I couldn't find a XXXX atm so I use a bank of america atm i made one transacion requesting {$200.00}, the atm dispense the money but I couldnt reach the money and by the time I unbuckle my seatbelt the atm retracted the money, the screen start idling and then it said WAIT and the transacion got cancel, after that I stared another transacion and was able to get money ( XXXX ) but, when I check my XXXX XXXX acct., it was 2 charges of XXXX each.I called XXXX and made a claim Chase refund me the money pending and investigation .XXXX denied the claim and deduct the money from my acct. 
I called Bank of America costumer service and they said that they can't help me. 
I wrote letters to Bank of America corporations and I got the same answer.