davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (AL)

I opened a new account with Ally Bank on XX/XX/XXXX. The account was funded by " pulling '' money through an ACH transfer from my account at another bank. After I set up online banking, I got an email stating that due to suspicious activity on my account, it was on hold and I would need to provide additional information before being able to access my account again. I called the provided telephone number and provided all of the identifiable information they asked for. They said that my account was still under review and I would just have to wait to hear back from fraud prevention once more information became available. About 3 weeks after opening the account I had still not heard back, so I called again and was told that my account had been closed. I asked if they were intending to inform me of that and they said a letter would be forthcoming. ( It has been nearly a month from that time and I still have not gotten any letter ). I got an email on XX/XX/XXXX saying that a new statement was available for my account. I found this odd considering I was told the account was closed, so I called back in. After talking to multiple people and spending over XXXX minutes on the phone I was told again that my account was indeed closed. I requested that my initial funding deposit be returned, and was told that they would not be returning my deposit, saying that I would need to dispute the ACH transaction with the other bank if I wish to get my money back.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # 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
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-10
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. (MI)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

On or about XX/XX/2023 Chime closed my accounts. They said the account was closed because of suspicious loads ( deposits ). The only deposit was my regular paycheck. I understand that a lot of fraud occurs with banking and although my direct deposit is always from XXXX I understood that they had to be thorough in checking the legitimate deposits. I sent the documents to support that the deposit was legitimate and I gave them time to resolve the issue. I called back in XXXX and inquired about the funds. I was told that the balance of my account in excess of {$1700.00} would be mailed to me. I gave it more time and called back in XXXX. They requested proof of address, paystub, ss card, and state identification, I provided all that information again. In total I sent the same documents at least 5 times. After sending the information requested I received an email stating my account was ineligible for a refund. I recently spoke with a representative about this matter who again asked me to provide supporting documents and I did. He personally reviewed them and told me that he could see no reason for not reopening the account. I assumed the matter was resolved and attempted to log into the account to which I still do not have access. I called again and got the same run around. I did some online research and discovered that Chime has been notorious for closing accounts for no good reason.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (UT)

My account was with XXXX XXXX. My original limit was XXXX dollars and my balance was XXXX. However, over time, they lowered the amount to XXXX, however, my balance was still XXXX. XXXX XXXX continued to charge the minimum amount until I lowered the amount to XXXX ( roughly XXXX ). I missed a payment in XX/XX/XXXX, and XXXX required that I pay both XXXX and XXXX payments by XX/XX/XXXX, for a total of XXXX. 

In between that month, my loan was sold to First National Bank of Omaha. They were requiring me to pay the full amount of XXXX by XX/XX/XXXX, instead of the XXXX. I had little to now warning and didn't even know that my account had been sold, only that when I went online I couldn't pay the bill. I went to my email and found a statement from XXXX, saying I had a balance with them. I called to report it as identify theft on XX/XX/XXXX, and that was when I was notified my account had been sold to them. 

I was finally able to pay the XXXX on XX/XX/XXXX, but am unable to pay the full XXXX by XX/XX/XXXX. Initially I wasn't even able to pay the XXXX, because I didn't have the account number, couldn't sign up online to pay, and had no idea my account had been transferred. I still don't have the card number. They have agreed to mail it to me, but I have yet to receive it. 

I would like to be given an extension until XX/XX/XXXX to pay the additional XXXX along with information about the new balance that would be due XX/XX/XXXX. I don't think I should have to pay late fees or take a hit on my credit report, with so little warning and no consideration of the historical context. This practice of requiring the full amount without notice, feels unfair, deceptive, and abusive.
Consumer complaint received 2023-04-19
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. (NJ)

XXXX  XXXX is reporting a debt on my account for a collection that is inaccurate. 
It also has incorrect information reporting. 
The amount is XXXX $ and XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

These accounts were opened during a time when I did not live in the U.S, I was between XXXX and the XXXX XXXX XXXX. I have filed an FTC report which I'm including plus additional documentation which proves I did not live in this country while this identity theft was happening. 

I'm providing my XXXX passport, XXXX application and XXXX passport. As you can see I was out of the country all the time that these collections happened. 

The accounts in question are : XXXX  XXXX XXXX XXXX {$5800.00}, XXXX XXXX {$32000.00}, XXXX XXXX  XXXX {$6900.00}
Consumer complaint received 2023-10-10
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)

These accounts were opened during a time when I did not live in the U.S, I was between XXXX and the XXXX XXXX XXXX. I have filed an FTC report which I'm including plus additional documentation which proves I did not live in this country while this identity theft was happening. 

I'm providing my XXXX passport, XXXX application and XXXX passport. As you can see I was out of the country all the time that these collections happened. 

The accounts in question are : XXXX  XXXX XXXX XXXX {$5800.00}, XXXX XXXX {$32000.00}, XXXX XXXX  XXXX {$6900.00}
Consumer complaint received 2023-10-10
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. (NC)

I am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification. 
I demand the following accounts be verified or removed immediately.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 
5 U.S. CODE 11692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is XXXX XXXX and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to be removed immediately.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is XXXX XXXX and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to be removed immediately.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX  XXXX is reporting a debt on my account for a collection that is inaccurate. 
It also has incorrect information reporting. 
The amount is XXXX $ and XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (GA)

I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is Sallie Mae and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to be removed immediately.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I noticed my bank had made duplicate credit card payments to Chase Bank for the XX/XX/2023 balance statementthe total amount of {$190.00}, which was charged twice. I contacted Chase Bank on XX/XX/XXXX to report the issue, and they assured me they would send me a check for the duplicate amount. Since then, I have often followed up regarding my {$19000.00} refund, and each time, they give me excuses like it is in the mail, once they told me it was unclaimed, etc ..... However, it's been over one month. And I have not received my refund.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeXX/XX/XXXX Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 

XX/XX/XXXXaccount # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XX/XX/XXXXAccount Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 

XX/XX/XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (IN)

A new vehicle was leased with an open recall. Per the XXXX there was a recall opened on XXXX. The vehicle was leased XXXX. The lender, which is also an arm of the manufacturer, has failed to assist in any meaningful matter and has shifted the blame. It is my understanding that new vehicles with open safety recalls may not be leased or sold. This is a federal law, and it is criminal. I am asking that the lender do their job to investigate fraud that occurred during the initiation of this loan. 

There were also issues with the financing. I was preapproved and filled out an application, but at signing they raised the the monthly payment by {$200.00} with no real explanation of why this differed from the pre-approval. I believe there may be additional financial crimes that need investigated as well. 

There was a car protection package that the lender couldn't find. The dealer then told me I didn't buy it, so I had to buy another one. The dealer was supposed to refund it after I proved I did pay for it. That's {$1700.00} missing that is supposedly " check is in the mail '' but nobody can actually confirm. 

I don't know what Chrysler pulled with all this, but I do know I {$1700.00} protection package became an issue of confusion, the vehicle was illegally sold with an open recall, and the lender and dealer only want to blame each other.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but XXXXXXXX XXXX  site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

Transunion Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts XXXX also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.
Consumer complaint received 2023-08-11
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. (FL)

I submitted a complaint last XX/XX/ for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2024-06-07
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. (AR)

Did not authorise this inquiry nor did I give my consent, fraudulent activity and needs to be removed from TransUnion Report. 

XXXX XX/XX/2023 Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual