davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (GA)

On XXXX XXXX I applied in good faith for vehicle financing at XXXX of XXXX car dealership. One of the banks that denied me was Ally Bank. I the consumer and natural person was denied credit by Ally Bank when I applied for a vehicle. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 U.S.C 1692 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ).

Ally Bank is subject to criminal liability for violating 15 U.S.C 1691 as I have proof I was discriminated against by Ally Bank due to the response I received.

Ally Bank is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith and credit was not issued.

Furthermore because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Bank. The social security card is NOT an identifying document. The Credit Reporting Agencies are private companies that are not government affiliated.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IA)

I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within 7-10 business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by law.
Consumer complaint received 2023-09-06
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within 7-10 business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by law.
Consumer complaint received 2023-06-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WI)

My auto insurance was raised from about $ XXXX to over XXXX because Lexis Nexis reported incorrectly to progressive that I had received a XXXX  in XXXX OH. I have never had a XXXX  in my life, and have demanded this information be corrected multiple times over the past 2 months only to be turned away on every occasion. Ive called, stated my issue and been turned down. Ive sent multiple emails, asked to open a case, all denied. They just keep sending me back the same email saying they need to verify my identity first before going through with a request, but I dont want them to have my information in the first place.
Consumer complaint received 2023-09-06
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear XXXX, I am writing to express my dissatisfaction with the XXXX services and to request your assistance with my account issue. 

I have been trying to log in to my XXXX XXXX account for several years, but I have been unable to do so. Every time I enter my username and password, I get an error message saying that my account is locked. I have not received any explanation or notification from XXXX about why my account is locked or how to unlock it. 

This is very frustrating and inconvenient for me, as I need to access my account to check the status of my claim, certify for benefits, and update my information. I am worried that I might miss important deadlines or payments because of this issue. 

I request that you please unlock my account as soon as possible and provide me with any information on my account that I might have missed. I also request that you please investigate the cause of this issue and prevent it from happening again in the future. 

I appreciate your prompt response and cooperation. You can contact me at ( XXXX XXXX XXXX ) or ( XXXX ) if you need any additional information from me.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

When I spoke to the bank, I was told that XX/XX/XXXX there was a transfer from another member to member bank account with Navy Federal for {$4500.00} and I have spoke to the bank three times today was the last time I spoke to the bank and I was told that even though I gave them documentation proof from my cash app statements that no money of XXXX was took out of my bank card into XXXX XXXX that I would still have to pay it even though it showed no proof of me taking money out of my bank that day especially not {$4500.00} because I didnt even have a job at the time Im XXXX years old so I definitely dont know how I wouldnt even got that money I was told that after the transfer was made into my account, it was took out and put into XXXX XXXX. Thats why I showed them my statements from the entire month of XXXX. After speaking to them all three of these times, Im still told that I have to pay for this and Im not even sure where the money went or how it got in there.
Consumer complaint received 2023-09-06
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. (DC)

I am writing to report an issue with XXXX, XXXX XXXX and Experian regarding verification on an inaccurate account on my credit report. I would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter promptly and accurately. I have been correcting information on my credit report from XXXX, XXXX XXXX and Experian. I discovered two account that has been inaccurately reported. The account in question belongs to XXXX XXXX XXXX XXXX and XXXX XXXX, and it is listed as incorrect balance as a charge-off in the amount {$300.00} and the {$670.00}. I sent letters to the furnisher to request verification on the account and was unsuccessful on this situation. 

I sent a letters requesting the furnisher to verify my information on the account since I have been a victim of Identity theft in the past. Neither of the furnisher has supplied me information on this account as a consumer. In additionally, I have submitted a dispute letters with XXXX, XXXX XXXX and Experian, with supporting documentation of inaccurate account removed from my credit report. I have attached documentation on relevant dispute. I have not received any documentation from XXXX in regards to this inaccurate information on my credit file. This adversely affects my credit score and ability to secure credit when needed. I am concerned that this inaccurate information may continue to harm my financial standing if not addressed promptly.
Consumer complaint received 2023-09-06
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. (DC)

I am writing to report an issue with XXXX, Trans Union and XXXX regarding verification on an inaccurate account on my credit report. I would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter promptly and accurately. I have been correcting information on my credit report from XXXX, Trans Union and XXXX. I discovered two account that has been inaccurately reported. The account in question belongs to XXXX XXXX XXXX XXXX  and XXXX XXXX, and it is listed as incorrect balance as a charge-off in the amount {$300.00} and the {$670.00}. I sent letters to the furnisher to request verification on the account and was unsuccessful on this situation. 

I sent a letters requesting the furnisher to verify my information on the account since I have been a victim of Identity theft in the past. Neither of the furnisher has supplied me information on this account as a consumer. In additionally, I have submitted a dispute letters with XXXX, Trans Union and XXXX, with supporting documentation of inaccurate account removed from my credit report. I have attached documentation on relevant dispute. I have not received any documentation from XXXX in regards to this inaccurate information on my credit file. This adversely affects my credit score and ability to secure credit when needed. I am concerned that this inaccurate information may continue to harm my financial standing if not addressed promptly.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

There had been fraudulent activities coming and withdrawing from my checking account for past 2 months and i made a report to the bank. When I made a report they can cover and reimburse the lost money from unauthorized activities up to 60 days which was my case. 
Few weeks has passed and the issue still hasn't resolved, i had visited the bank again. The bank says they can only cover up to 30 days of most recent activities. 
I am disagreeing their decision and I have a right to receive full reimbursement of unauthorized funds. 
The uncollected amount is close to {$10000.00} XXXX
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I receive money direct deposit every Friday from my ex husband. I'm just trying to figure out why on holiday weekends, my funds are not posted til Monday or Tuesday. I know it's not on my ex 's end, ( it's his bank ). It's always on time, every other Friday. My ex uses Citizens bank, ( They say it's my bank ). I use XXXXXXXX XXXX XXXX XXXX. My bank says it's Citizens. I'm just wondering if there is anything I can do. I'm on XXXX and live on Fridays money to survive. 
Thank you
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Act # XXXX and 1 other XXXX XXXX acccount I don't have the account info has violated my rights. 

15 USC 1681 section 602 states that i have the right to privacy 15 usc 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction or permission and they do NOT have it.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Metacorp LLC (MO)

I was in the process of switching phone carriers and I recieved a call from my husband saying a debt collector called him and was very persistent i then got my phone on the same day and my friend XXXX called me and told me that they called her to that day then my mom called and they had also called her and ask for information and they repeatedly tried to harrass my friends and family with calls within 24 hours. I spoke with them this morning, they had no reasoning to be calling everyone in reguards to my debt and it has become embarrassing and upsetting
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-04-07
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This account was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX FTC, and Texas State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. Please note that I am the only natural person writing this statement with the help of no 3rd party. I never gave any consent to report anything on my consumer report.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

I paid {$1800.00} to my original balance transfer account. I also have {$5300.00} on " Flex Plan '' payments left on my closed account. I had also paid {$200.00} earlier in this billing cycle to satisfy my Flex Pay plan due. 

Options to pay {$1800.00} were explicitly made to pay new balance and would not be applied to future Flex Payments. Copied from screenshot - that option specifically states : {$1800.00} - Remaining Adjusted New Balance + Flex Plan Monthly Payment This is the remaining amount owed to satisfy your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. 

Citibank Reps advised me that the payment would go to the highest Interest Rate- which is technically the Flex Plans at this point.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (WI)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TN)

I did a new deposit on my saving account ( Citi Bank ) XX/XX/XXXX for XXXX, I tried to do a new deposit for same quantity XXXX all from my checking account logged previously ( Checking account from XXXX  XXXX XXXX ), I noticed founds from last deposite return on checking account XX/XX/XXXX, I tried to enter to Citi app where appears blocked my account, calling to Citi they affirm account was blocked XX/XX/XXXX, weird because I entered and tried to do deposit on XX/XX/XXXX, they said until a physical letter arrive to my home ( 5-10business days ) they can not do anything even mention reason to block my account ; checking the amount on the account ( by phone ) gives me the quantity available before XX/XX/XXXX, I have waiting for 16 business days with 5 calls during this period trying to get a new letter or more information, I offered go directly to bank but they said you can not do anything, you need to wait, they do not care about my money or the service, they are not offering a solution. I need help, please.
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: BLINCLOANS, INC. (MD)

In XXXX I revoked my authorization for XXXX Advance to withdraw money from my checking account both via ACH as well as Debit card. They acknowledged receipt of my instruction, however on XX/XX/year> they withdrew {$250.00} from my checking account via my debit card without my explicit authorization, as well as while my ACH revocation was in effect.
Consumer complaint received 2021-04-24
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: Experian Information Solutions Inc. (CA)

I was given a 3 moth deferred payment on my account, I have disputed the account and submitted documents of the deferred payment agreement, I had to sign the document twice because the never received the first one and was promised it wouldnt affect my credit
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I was notified of new delinquent accounts on my credit report, I checked into these delinquencies to find that it was two different collection agencies reporting the same debt for two different amounts ( {$2500.00} & {$980.00} ) as of XX/XX/2018. I am not aware of these debts and have only been contacted by one agency in regards to this debt and asked if they could send in debt validation, in which, I have not received.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.