davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to you about my credit card Account Ending in XXXX. We had a great relationship history that darkens a missed payment in 2014. I understand that you are not obligated to help me in this matter. But I would be very grateful to your bank if you can remove the missed payment in XX/XX/2014. I know that according to the rules of credit bureaus, missed payments should be kept in the report for 7 years. It will not be difficult for you to give me the opportunity to improve my credit score. It will give me the opportunity to get the house that I have dreamed of for so long.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I received a settlement check from my attorney on XX/XX/23, due to a minor accident. I went to the Citizens Bank branch to deposit the funds into my account, and I was told by the Banker the check looked fake and he couldn't deposit it, and if my account overdraft it would be sent to collections. Knowing that my check was not fake, I decided to go home and mobile deposit the check instead. Today, when I opened the account mobile app, it wouldn't allow me to log in. That's when I went to my computer and decided to log in from there and I was able to see that the check is still on hold, no funds were available to use. I asked the representative the reason behind the hold, she advised that the check seem fake. I advised her that it is not fake it is a settlement check from an Attorney 's trust account. I was told I will have to wait for the bank to clear it on XX/XX/XXXX. I have bills to pay and not being able to use money, and also being told the check is fake is hurtful. Those statements come from a pattern of discrimination against people of XXXX and bank institutions. Citizens bank has a history of XXXX profiling. I would not stand to be another victim. XXXX XXXX  do not get treated the same as XXXX when trying to send a check into the account. To be rejected from depositing a check that was provided to me by an attorney at the branch is unfair and discriminatory. I will also like to file legal complaints regarding this.
Consumer complaint received 2020-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group (NM)

The moore law group has not provided the information and/or paperwork requested for verification of debt I have sent them multiple letters specifically asking to provide me with the following : original contract with my signature on it, to itemized every single item since the opening of the alleged account, provide a bill of sale that shows account number and amount they paid to obtain this debt, show any paperwork where I agree to pay you. THIS IS WHAT THEY PROVIDED SO FAR : BILL OF SALE is missing my name, missing account number, amount paid for debt. COPY OF SALE OF THE ACCOUNT is missing my name, missing account number, missing amount paid to obtain the alleged debt. MONTHLY STATEMENTS that proof nothing just statements with blackout account number.
Consumer complaint received 2020-12-14
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: JPMORGAN CHASE & CO. (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, JPMCB AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-06-20
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: ALLY FINANCIAL INC. (CA)

On XX/XX/, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about XXXX minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are XXXX other banks on my Experian account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped XXXX other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX XXXX XXXX it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing XXXX thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made XXXX bank loan offers on his own without my permission while I was waiting in the lobby to call me in
Consumer complaint received 2023-01-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (CA)

Attention : California CFPB I am a California XXXX. On XX/XX/2022 I received a loan in the amount of {$400.00} with an interest rate of 678.14 % ( XXXX ) from Black Hills Credit DBA Cascade Springs Credit. This company is predatory, and I believe this interest rate is illegal in California. 

This company claims to be a tribal lender that is not governed by the laws of California. 
Can you let me know if this interest rate is legal? If not, what are my options for dissolving this loan? 

Thank you
Consumer complaint received 2020-12-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

Goldman Sachs Bank, doing business as " Marcus by Goldman Sachs, '' denies me access to the {$15000.00} I deposited into my new certificate of deposit. I opened this CD on XX/XX/2020. The next day, I endorsed and mailed a {$15000.00} check to the Illinois mailing address specified in the Account Agreement. That check CLEARED on XX/XX/2020. When the funds had not showed up my new CD by XX/XX/2020, I contacted Goldman Sachs Bank. It denied having received the check. I continued to contact Goldman Sachs Bank over the past 2 weeks, but it still denies having received the check and still has not credited my account. The cleared check demonstrates Goldman Sachs Bank has misappropriated my funds.
Consumer complaint received 2023-03-24
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-05-26
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters , LLC and their subsidiary collection, XXXX XXXX XXXX, refuses to show a debt that settled and a closed on my credit report. The debt was settled in XXXX but theyre still showing the account open, and are reporting it as such. XXXX XXXX XXXX Account Manager : XXXX ) sent me a letter stating the issue was officially satisfied, and there was no more money owed on the account but they refuse to update my credit and closed the account.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX, each major credit bureau ( XXXX, XXXX, Experian ) were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.
Consumer complaint received 2020-12-14
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)

XX/XX/2020 I discovered several fraudulent accounts reporting on my Experian & XX/XX/XXXXCredit Report. I have alerted Experian of the fraud by submitting Identity Theft documentation.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BOEING EMPLOYEES CREDIT UNION (AZ)

I was struggling financially due to having to take some time off of work for personal medical issues. I had just under enough in my checking account to pay for my car insurance in XX/XX/XXXX. This did however cause my account to become overdrawn, resulting in a {$25.00} NSF fee, which I have no issues paying. However, since then, several other charges which I did not authorize were attempted on my account, some multiple times, resulting in approximately {$400.00} or so in NSF fees. I have not had a lot of time to manage this account due to my grandmother having been on XXXX, and eventually XXXX in XX/XX/XXXX, but have received dozens of letters regarding fees, and BECU threatening to charge interest on these fees, which I never agreed to. In addition, the constant negative balance on my account has made it difficult to pay my credit card and personal line of credit. At the time of writing this, I have no issues with bringing the balance to a positive one, but 90 % of the negative balance consists of NSF fees for charges I did not authorize, and I will not pay them. 

I spoke with a representative from BECU who agreed to have her manager call me back, however, it has been several days, and I have not received a response.
Consumer complaint received 2024-03-03
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. (OH)

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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-15
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. (GA)

There was improper use of credit reporting, I have recently notice several fraudulent inquiries on my report one happening on XX/XX/2023 XXXX XXXX and one on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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. (FL)

XXXX XXXX XXXX XXXX is reporting to the credit bureau that this account is a charge off, a charge-off account is a written off account as a loss and the account is closed to future charges, this is fraud, XXXX XXXX  XXXX has been accepting a XXXX dollars a month from me on this loan.
Consumer complaint received 2020-12-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

I leased a XXXX XXXX XXXX from XXXX  XXXX through MBFS and prepaid my entire lease. My lease began on XX/XX/2019 for a duration of 36 months. I was supposed to receive my security deposit of {$6000.00} after one year or when I return the vehicle. As of todays date, I have no received my deposit. MBFS must return my deposit to me or take possession of the vehicle.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Personal information is incorrect on my credit repost, I do not live at the following address : XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX  XXXX, XXXX GA XXXX
Consumer complaint received 2018-03-13
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. (CT)

In XXXX a salesman from XXXX named XXXX XXXX ( not sure of last name spelling ) came into my place of business trying to get people to switch to XXXX. I spoke to him and was interested in getting a little more info. He asked me to fill out a form, which I did after asking him if they would be performing a credit check. He informed me no credit check would be done. I filled out the form and he was on his cell phone. He handed me the phone and told me I needed to verify my information. I got on the phone and after talking to the person on there found out this was to do a credit check. I informed the man on the phone that I asked XXXX if they would be doing a credit check and he told me " no ''. I told the man on the phone I did not want my credit pulled and to stop the process. Yesterday ( XX/XX/XXXX ) I receive a letter from XXXX XXXX dated XX/XX/XXXX telling me, " As you may remember, when you requested service at XXXX, we ran a credit check which resulted in a score where you may have to pay a deposit or downpayment ... ''. I was furious as I told both people that I did not want my credit pulled as I am trying to bring my credit back up. I called XXXX today ( XX/XX/XXXX ) to complain and was hung up on by first person. Second person gave me the information for your company to contact to file a complaint. So this is what i am doing at this time. I want to file a complaint on both men and XXXX XXXX.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (IL)

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2023-02-01
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. (TX)

After reviewing my credit report, I saw that my rights as a consumer has been violated. According to the FCRA, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States " the term consumer report doesn't include any report containing information solely as to transactions or experience between the consumer and the person making the report. " Late payments are a form of transactions according to the credit laws. All bureaus, XXXX, XXXX and Equifax is reporting late payments on multiple accounts : XXXX  XXXX XXXX, XXXX  XXXX XXXX. 15 USC 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. " I never gave any of the consumer reporting agencies written permission or instructions to report any inaccuracies let alone these late payments. Also according to 15 USC 1681 602 Congressional findings and statement of purpose states " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. " It also states " the banking system is dependent on fair and accurate credit reporting. '' Reporting inaccurate information on a consumer reports directly impairs the efficiency of the banking system. Nothing about the reporting of these late payments are accurate and I have never received sufficient proof that they are accurate and my privacy has been violated due to the consumer reporting agencies violating my consumer rights by allowing these inaccuracies to be reported on my credit reports. I am requesting that you do the right thing and delete this information from my reports.
Consumer complaint received 2023-02-01
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. (TX)

Transunion refuses to do what is fair and equitable under the law. TransUnion is not aiding me in removing fraudulent items on my credit report. I have sent TransUnion all necessary documentation for them to block and remove the information from my credit report and TransUnion has been negligent. The fraudulent items on my credit report are Dept of Treasury. and Inquiries of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. TransUnion continues ignore federal law and instead rely on it's internal policy. Transunion believes it's company policy supersedes federal and it does not. Transunion is required to block this fraudulent information from my consumer file and the company has consistently failed to do so. Transunion is enabling identity fraud.