davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

these things are wrong on my report I dont have not late payments and I should not have delinquency accounts at all tell all ur information sources that is wrong and they must provide proof of contract & their info & Id must match attached Id and address of my account must be removed any accounts that doesn't match my current address or name on ID when my credit is ran this is what is being reported from your agency LENGTH OF TIME SINCE MOST SERIOUSLY DELINQUENT ACCOUNT HAS BEEN ESTABLISHED IS TOO SHORT INSUFFICIENT PAYMENT ACTIVITY OVER THE LAST YEAR REVOLVING ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS NOT ENOUGH AVAILABLE CREDIT!!!!! 

this is what is reporting and none of this is true!!!!!!!!!
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

ON XX/XX/XXXX XXXX XXXX  XXXX Fraduently took {$53000.00} out of my business account under the guise of providing 1-year business mentorship and consulting by the international business coach XXXX XXXX XXXX However, NO contract was ever sent as promised and NO services have been received to date, and my multiple attempts to get a refund since XX/XX/XXXX have gone unanswered. After finally recovering from XXXX and being able to seek & obtain counsel my lawyer said this wire was taken under false and fraudulent pretenses. She said it was " Theft By Deception '' thus also it was " FRAUD '' and I am legally able to request a XXXX XXXX for the full {$53000.00} Wire Transfer.
Consumer complaint received 2023-09-14
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. (GA)

I am refilling this complaint to EQUIFAX confirmation number XXXX for allowing fraudulent inquiries and fraudulent accounts on my credit report and for no corrective actions taken on these unauthorized inquiries and fraudulent information. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and XXXX for your reference and as proof. I have sent my communication letter to them last XX/XX/2023 but until this time, they don't take action on my request.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, 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. (MA)

Delete all the fraudulent inquiries on my report effective immediately and they include, XXXXXXXX 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 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank - Business checking account More details can be provided upon request over a period of a month the bank allowed for my account to be overdrawn by well over {$800.00}. I did not know that my account was overdrawn because the receipts from the ATM machine did not have good ink so I could never see the negative sign in front of the numbers. 

I ask the bank why the allow my account to overdraft, I was told that my account allowed for overdraft. I never authorize for my account to have overdraft. This is a checking account and I use a debit card. 

The bank did not help with resolving the issues.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC (TX)

I was issued a visa card that I never applied for. I called the company that was reported on my credit. They refused to give me any information about this account. They could not provide any information on what the bill was for. I went on their website to learn it is a yearly fee for the card services of XXXX. They couldn't tell me that. The card was never activated and I let them know that I felt like this was a scam and demanded them to send me all documentation to show me this account and my signatures. I spoke to a supervisor and told him I would be reporting him if I didn't get this info and close this account. They hung up on me and reported the late payment to my credit bureau and it caused a XXXX point drop on my credit for their one late payment of XXXX. I never got the information I requested but I did get a letter stating that they canceled this card due to fraud but I'm still responsible for the fees. They are still reporting to my credit that it's an open card and now the balance has more than doubled in 1 month. This is devastating due to the fact that I am trying to get a financial license and my credit is crucial and this is fraud.
Consumer complaint received 2024-04-02
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. (TX)

I am writing to express my extreme dissatisfaction with the inaccurate information currently present on my credit profile. Despite repeated attempts to rectify these errors, the bureau has failed to take appropriate action, thereby violating several federal laws protecting consumers ' rights. 

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that information reported on credit profiles be accurate, complete, and up-to-date. However, the inaccuracies persist, constituting a clear violation of FCRA Section XXXX ( b ). 

Furthermore, under FCRA XXXX XXXX ( XXXX ), the bureau is obligated to promptly investigate any disputes raised by consumers. Despite my efforts to dispute the inaccuracies, the bureau has failed to respond within the legally mandated timeframe. 

This blatant disregard for federal law has had severe repercussions on my financial well-being and has undermined my ability to access credit on fair terms. Therefore, I demand immediate action to rectify these errors and remove the inaccurate information from my credit profile. 

Failure to comply with federal law in this matter will result in further legal action to protect my rights as a consumer. I have attached copies of previous dispute letters for your reference. 

I expect a prompt and satisfactory resolution to this matter.
Consumer complaint received 2020-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

We have been trying to obtain a payoff from XXXX servicing sinceXX/XX/2020. As of yesterday XX/XX/2020 they have not issued the payoff to us or the customer. We have confirmed receipt of our payoff request on XXXX in which we were told that they had a 2 business day turnaround time ticket number ( XXXX ), when we followed up on XXXX we were told that their turnaround time is closer to 5 business days that that the additional time was because they had to hand calculate the additional balance and we were told that we would receive an email confirmation once the loan servicing has been handled, which did not happen. On XX/XX/XXXX we spoke to a representative that stated that all payoff requests are delayed at this time and the representative couldn't give us an ETA and could not escalate any further without the borrower calling in EIGHT business days after our initial request. The borrower called in on XX/XX/XXXX and was told that they had never received our payoff request and that they could not help her at this time. She had tried numerous times afterwards and was hung up on and told that the payoff " would be faxed as soon as they were off the phone '' we have still not received the payoff request ( right now it is XXXX on XX/XX/XXXX ). The borrower is selling this property and simultaneously purchasing another and is at risk of being in breach of contract for both due to the negligence of this servicer. It has been 12 business days since our initial request for a payoff, which is a reasonable amount of time to give the servicer to complete this task.
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc. (IA)

I had a car with GM finacial. I have never been late on payments. The car was in the shop for months. I never got a notice of when it was expected to be out of the shop. The shop contacted me to pick up the vehicle. I was out of town for work and could not make it back in the same week. They contacted gm finacial and gm finacial voluntary repossessed my vehicle without my consent or any notice at all. Then sold my car at auction and charged me for the remainder of the loan. Not giving me any payment options and automatically charging it off. Compleatly ruining my credit. The representative was rude and disrespectful.
Consumer complaint received 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I refinanced with this same company about one year ago. Then this past XXXX I wanted to do another refinance which they solicited to me to consolidate my current debt. They have secretly investigated my personal life and work, and said what they uncovered was conflicting information, which after explaining it to them they learned wasn't true. It's going on the 5th month and every couple of weeks they are making requests for other documents and statements they say they need, some of which were provided at the beginning of the process. The loan cost have continued to go up, and the terms changed. I'm exasperated.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

XXXX credit card switched their services to Citibank in XX/XX/2020. This is my second payment on my account through them. I initially made a payment of {$43.00} on XX/XX/2020. The payment did not go through. I have asked XXXX for a audit of my account, because I checked my account and had the money available. Citibank then went into my account on XX/XX/2020 and tried to pull a payment for {$40.00}. I never authorized the payment for {$40.00} at any time. Then XX/XX/2020 they went back into my account for another {$43.00}. That is three {$29.00} NSF fees on my account. One of which, for {$40.00} that I never authorized. Citibank changed the amount on that payment to be able to go into my account three times. No merchant is allowed to go into an account more than twice. Citibank says they always go in twice, but I don't think they are allowed more than two attempts, but if they change the amounts they can go in as many times as they like. This is my third problem with Citibank having had a bank account that was slow paying and my direct deposit was not deposited in a proper or timely manner, causing me NSF fees that they had to refund. 
XXXX account ending ... XXXX XXXX card ending ... XXXX
Consumer complaint received 2018-05-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

Reserve account is -XXXX, i called due to the fact that the account cant be overdrawn as a second chance banking reserve account. You cant overdraw that account, i transferred the money from regular checking to reserve. Afterwards i withdrew money due to attorney fees, which should of left account at XXXX   balance. However, they seem to give me the same info but i have not transferred any money from reserve to checking. Please help, i think they are abusing people.
Consumer complaint received 2024-08-09
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: GOLDMAN SACHS BANK USA (FL)

Original charge of {$550.00} to XXXX on XX/XX/year> which included multiple items. Products purchased in this order # XXXX were returned back to XXXX. XXXX sent an email confirming receipt of the items and issued a credit of {$260.00} on XX/XX/year> to my credit card. But I have yet to receive the {$260.00} credit to my Apple credit card XXXX. I have called numerous times XXXX and Apple. XXXX states that the problem is with Apple. All I'm requesting is the {$260.00}, partial refund of the original charge.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IL)

I had set up an online joint savings account with Marcus by Goldman Sachs in XX/XX/XXXX as an emergency fund for my me and my wife. Over the course of 4 months I had deposited approximately {$41000.00} into the account. On Monday, XX/XX/XXXX, I attempted to withdraw {$32000.00} from the Marcus account and transfer into my connected XXXX account. I was called on Tuesday, XX/XX/XXXX, and told my transfer request could not be completed and would be reversed. When I asked for details I was told the reason was because my most recent deposit in XXXX came from my wife 's connected XXXX account and the funds would have to be returned to that account, despite the fact there were multiple connected accounts. On Wednesday, my wife requested the entirety of the account balance be transferred to her connected XXXX account as they had instructed. Another Marcus customer service representative reached out to me again to state the transfer would not go through despite a previous representative explaining my wife 's connected XXXX account was the only account we could transfer funds could safely be transferred. I asked to speak to a supervisor as this was a direct contradiction to what I had been told on Tuesday from a different representative. When I explained the situation to the supervisor who was named XXXX, they asked me about savings goals, and that the intent of the account was to hold on to my money long term. It is not up to Goldman Sachs to determine how long I need to hold my money in an online savings account before I can withdraw. When I challenged them they said we could try the ACH transfer again, but I would risk it being reversed again. The only way to regain my funds would be to cancel the account and wait for a check to be mailed. At the end of the nearly XXXX hour long phone call, the representative abruptly ended the call and said I was " acting like I'm XXXX hard of hearing. '' As explained previously, this account served as an emergency fund for my family and I'm now needing to utilize it. This has been horrible. I cant even move my money if I initiate the transfer on the phone with one of their own employees without it getting reversed. The money is essentially being held XXXX when I need access to it most. I was not expecting this from Goldman Sachs. I just need access to my account and I will take my business elsewhere, but not before my funds are released.
Consumer complaint received 2023-09-15
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. (OR)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (OR)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-09-14
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. (NY)

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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX  Inquired on XX/XX/XXXX and 1 more XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX and 1 more XXXX Inquired XXXX XX/XX/XXXX and 46 more XXXX Inquired on XX/XX/XXXX and 20 more XXXX XXXX XXXX on XX/XX/XXXX and 31 more XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction in my dispute letter.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MA)

I have contacted Lexis Nexis 3 times and asked them to mail me my Full Consumer Report with XXXX Report and I haven't received it. 
I contacted them on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX & XX/XX/XXXX at XXXX, all 3 times I requested my Full Consumer Report with XXXX Report to be mailed to me because I received an adverse action letter from XXXX ( Ref XXXX XXXX ) and other insurers as well, stating that I didn't receive the best auto rate due to what's in my Lexis Nexis Report. 
On XXXX XXXX at XXXX I contacted them again because I still haven't received it, and was told that it was mailed out on XX/XX/XXXX and I should receive it by XX/XX/XXXX which I have not. 
Now, because I haven't received my Consumer Reports to review the information in it, I'm forced to renew my policy on XX/XX/XXXX with an extremely high auto rate for someone with a good credit score of XXXX & an XXXX score of XXXX. My auto insurance premium is about 2- 3 times the amount I believe it should be. There's no reason why I shouldn't have received my reports in time before my insurance premium was due, 2+ months is a ridiculous amount of time to have to wait for something that I'm entitled to.
Consumer complaint received 2023-09-14
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. (PA)

On XX/XX/2023, XXXX ran a hard inquiry on my personal credit report with Transunion. I was applying for a business account using my business 's XXXX number. My business 's credit report should have been run not my personal credit.