davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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. (IL)

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. 

Account name # XXXX # XXXX # XXXX # XXXX XXXX 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 an 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 2023-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I am writing to address a concerning issue related to my CITIBANK business checking account, which was opened on XX/XX/2023, and subsequently closed on XX/XX/2023. Despite my disappointment with the perceived unfair decision by the bank, I am reaching out to you in hope to get this resolved. 

To provide context, on XX/XX/XXXX, I have deposited an Official Bank Check ( XXXXXXXX XXXX check ) amounting to {$30000.00}, which was provided by family member ( aunt ), an account holder with XXXX XXXX. Initially, there was no issues accessing these funds. However, complications arose when the bank denied our withdrawal request and initiated an inquiry into the matter. Despite diligently furnishing all necessary documentation and engaging in extensive email correspondence, further requests were made to review my aunt 's statements. Subsequently, my aunt visited your XXXX branch ( XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ) in person, providing the required information. 

Regrettably, the bank 's back-office personnel concluded that the transaction constituted fraudulent activity. This led to the abrupt closure of our business account, along with the withholding of {$19000.00}. Despite our efforts, which included providing information from XXXX XXXX  's representatives and offering to involve the corporate side of XXXX  to confirm the legitimacy of the funds, we find ourselves accused of depositing a fraudulent check. 

Having patiently waited for more than XXXX months in the hope of the bank returning our remaining funds, it has become evident that there is no intention to do so. This message serves as an attempt to resolve this matter externally, since internally they have not taken any actions to resolve this issue.
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc. (GA)

On XX/XX/XXXX I purchased a white XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA. The vehicle is financed through GM Financial. The vehicle that I test drove on XX/XX/XXXX had remote start and power liftgate. The vehicle that I picked up on XX/XX/XXXX did not have these features. I did not notice that these features was missing immediately. Additionally, I was not informed about the missing chip for the park assist by the dealer only through calling XXXX XXXX XXXX. Furthermore, I have reached out to the dealer, gm priority care, gm financial, and the XXXX XXXX XXXX in regards to the issues that I am experiencing with this $ XXXX purchase. ( XXXX ) Complaint has been filed with the XXXX  against XXXX XXXX of XXXX. ( XXXX ) Complaints have been filed with the XXXX  against General Motors. There has been no resolution in this matter. Lastly, the dealership has lied and stated that I shuffled ( throwing ) some papers around to give reason why I am not allowed on their premise. The dealership can not provide proof of any such behavior, because it never happened. However, this is untrue and is defamation of character. Additionally, I have video recordings for my protection each time that I was on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX  representatives have been upset with me since I submitted a bad review to XXXX on XX/XX/XXXX in regards to this vehicle sale. Lastly, I have the phone recordings of conversations with XXXX XXXX ( Sales Manager ). Including agreeing to take care of the equipment issues. Also, the conversation when I attempted to schedule the appointment that he requested to observe vehicle. Per phone this recording you will be able to hear the belligerence from from XXXX XXXX towards me for asking the representative XXXX, do they provide loaner vehicles?. XXXX got on the phone and stated that " I was giving her a hard time ( referring to XXXX ) and that I am not in the drivers seat in this matter ''. Overall, I have experienced disrespect, XXXX, and bad customer service with this dealership. Additionally, I am a victim of a bait and switch car sale.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

I am helping a family with a home loan and the lender that we are working with ran my credit report. The next day ( This morning ) i have received over 30 unsolicited calls from various lenders. One of them told me that equifax shared this info as I ran my credit yesterday. I did not authorize anyone to contact me and this harassment continues as I am getting non-stop calls. This needs to stop immediately. These credit reporting agencies have no business sharing my cell phone and contact info with lenders without my explicit permission.
Consumer complaint received 2023-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

TO WHOM IT MAY CONCERN, I WISH TO FORMALLY COMPLAIN ABOUT PHH/NEWREZ ALL IVE BEEN GETTING IS THE RUN AROUND. IVE BEEN GETTING ALL WRONG INFORMATION THE BANKS INTENTIONS HAS ALWAYS BEEN TO KEEP MY HOUSE. I DID NOT DEFAULT ON MY TRIAL IVE BEEN EVEN EXTRA PAYMENTS. THEY MAILED MY FINAL DOCUMENTS TO WRONG ADDRESS AND NOW I HAVE TO SUFFER THE CONSEQUENCES. ALL I WANT IS MY MODIFICATION BACK. I APPEAL IT NUMEROUS TIME WITH NO SUCCESS. IT IS BAD FAITH ON THERE END I WILL ATTACHED THE EMAILS TO SHOW PROFF THAT ALL I GET IS WRONG INFORMATION FROM THEM. THEY FIRST TELL MY THAT THE FORECLOSURE IS SUSPENDED THEN I SPEAK TO THE TRUSTEE THEY HAVE A SALE DATE XX/XX/2023 I DEMAND THAT THEY GET PUNISHED FOR MISS GUIDING ME NOW I CAN LOOSE MY HOUSE IN A COUPLE DAYS.
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-05
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: SANTANDER HOLDINGS USA, INC. (FL)

I have disputed the reporting of my Santander loan 3 different times. They have not sent any results back. They did not conduct an investigation. The first dispute ( XX/XX/23 ) was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late '' was never investigated. the company did not respond. The second dispute was send on XX/XX/23. The dispute reason was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - You did not enter a notice of dispute. You are in violation of FCRA.- Update account to NEVER late. '' AGAIN the company did not respond. My dispute status was never changed and I received no results from the investigation. My THIRD dispute was sent on XX/XX/23 and my reasoning AGAIN " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - This is my third attempt at disputing the late payments on this account. There was a loan modification. You are violating the CARES ACT and FCRA by not entering a notice of dispute. Update my account to never late or I will pursue litigation. UPDATE TO NEVER LATE '' The company still has no responded or updated my dispute status. I recieved a loan modification over the phone for my loan due to having covid. The company is still reporting late payments! I want my credit score uopdated. It has dropped my score XXXX points!
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

My husband bank with firts citizens bank and he wan na add me to his account I provided my ssn and my state license and my credit card from another bank took all my information them someone called me and ask me to bring my ssn and license again them called me to asked me to bring my visa  and passport them they said that there were a problem with my documents and they want another visa, I told her that I was calling an attorney because all my documents are correct and I wanted a email or letter printed telling that my documents were not accepted by this bank because I was on the phone with an attorney because they being XXXX and I have all mydocuments a few minutes later I when to pick up the letter and she apologized and said that everything was her mistake but is alright I don't need to bring any more visas to be added to my husband 's account they know him by name is a small town they never requested any information when he goes by they took copies of all my immigration documents plus my ssn and license and passport this is XXXX
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
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: Experian Information Solutions Inc. (NY)

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 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OK)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that requires to UPDATE. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts should be corrected on my file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$23000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1000.00}.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MoneyLion Inc. (NC)

I have used this app for years now. I used the app for credit building I had a previous loan I was paying off before I moved into a new address last summer, once that loan was paid off I initiated a new credit building loan because it helped with my credit building process. The new loan was initiated through the app in which the company operates through. 

After taking out the new loan I tried updating my address on file, the company stated I had to wait 30 days in order to update my address and in the process my account was temporarily closed. I and my significant other have joint accounts I've used with this same company for years but they stated I had to prove I had access to the accounts my significant other needed to send in a notarized form to state I could use the account, as well as a picture of both our Identification cards, along with bank statements, government documents, and a bill as proof of address. 

I completed the steps and each time I was told it was incorrect, this company found numerous issues with my documentation because it wasn't 60 days dated from my previous address after they have on file that I've tried updating my address before my account was closed due to whatever they deemed fraudulent activity in which there were none. My significant other has her payroll check as well going to the accounts and apparently it was too many transactions going to our accounts Moneylion considered fraud although we bank with XXXX and have been with them for over 10 years now. 

The only way to pay for the installment loan is through the app the company shut me out I've tried talking to different representatives as well as managers explaining that I've had a change of address I even sent over my lease agreement with my significant other on the documents to show we live together. The company has since reported nonpayment to my credit report and I've taken a tremendous drop in my credit rating and it's hurting my families livelihood. I recently had a XXXX and was going to purchase a bigger vehicle as well as look into purchasing my first family home, but this company has hurt my progression at this point and refuse to fix the issue. I've tried everything on my end I don't have any documentation dates 60 days back from an address I moved away from months ago.
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (NJ)

I HAVE FILED A OFFCIAL REPORT TO HAVE THESE ITEMS REMOVED OFF OF MY CONSUMER REPORT. THESE ITEMS ARE REPORTING ILLEGALLY AS DO I DID NOT GIVE ANY ONE PERSMISSION TO REPORT/APPLY FOR THESE ACCOUNTS. THIS IS IDENTITY THEFT PER 8 U.S. Code 1028A - Aggravated identity theft
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (TX)

According to 15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Experian is in violation of my rights by failing to comply with my request to provide written verification on the below accounts, I'm entitled to fair credit reporting and at this moment my rights are not being fulfilled.
Consumer complaint received 2023-07-11
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. (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.

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 inructions 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 
Account name : XXXXXXXX XXXX Account # XXXX, Account name : XXXX XXXXAccount # XXXX, Account name : XXXXXXXX XXXXAccount # XXXX, Account name : XXXX Account # XXXX XXXX Account name : 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
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. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX # XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (MI)

I have countlessly tried to reason with this company regarding my identity theft I have sent multiple police reports they told me they were edited I have contacted the authorities I have disputed these accounts countless times with simple responses from this data furnisher saying they are verified they have sent me no proof of how they were verified when I ask for proof they will return with account has been updated. I am not resposible for opening these accounts. This identity theft with my personal information has caused defamation of character has caused me emotional, psychological, mental and financial distress. I am pleading with your company to help me. I have all documentation to move forward with a lawsuit. This will be my last attempt to reason with this company I need proof bearing my signature on any contracts signed, photos or video of person physically there or XXXX addresses for electronics used to open these accounts. If you can not produce these I will need all accounts removed immediately within the lawful time period. 

XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$280.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$4300.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1600.00} XXXX XXXX XXXX OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$610.00} XXXX XXXX, XXXX - XXXX DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1800.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1500.00} XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX {$160.00} FRAUDLENT INQUIRIES XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX