davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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. (NC)

My name XXXX 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.
Consumer complaint received 2023-03-13
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 DEPT OF EDUCATIONXXXX 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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX XXXX  This account is listed as being XXXX days late. I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries XXXX days old and add a promotional suppression to my credit file. 

This is a clear violation of my rights under ; 15 U.S CODE 15 1666 15 U.S CODE 15 1681B Please Remove these late payments from my account.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (GA)

On XX/XX/XXXX, my XXXX brokerage account was restricted due to unknown " safety '' concern which XXXX refused to disclose. I wasn't able to withdraw my fund since then. There is a total of XXXX XXXX dollars in my account. 

Later on they asked for documents ( bank statements, ID, passports, selfie ) which I submitted by XX/XX/XXXX. Then they told me they would review and notifed me of the decision on XX/XX/XXXX. 

On XX/XX/XXXX, they just postponed the decision making to XX/XX/XXXX. 
On XX/XX/XXXX, they even postpone to XX/XX/XXXX. 

When I called XXXX, they just asked me again to provide the same document which I already provided before. The waiting is endless and they keeps asking me for tons of documents and inifintely put restriction on my account.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

There was a mobile deposit made to my account XX/XX/2024. I was told there was a hold going to be place on my deposit an once the hold was released I would be able to acces it. Well on XX/XX/2024 Huntington Bank decided they want to lock me out my account an close the account. I called in to see why I cant login or my password was not working they stated that once the hold was released I could get back into my bank account an have access to funds. Well that wasnt true either the funds became available XX/XX/2024 an still was not able to access my account after I was told by a representative that I would be able to. I called into the bank they told me that they where closing my account a that I could go to a branch a withdraw the funds. Then when I ask to speak with a supervisor she told me that the hold was takin off the funds but she needed to find out why they are doing this with my account. Information I received still didnt help in any way. So upon speaking with another representative she said that its probably because I only had XXXX cent in my account at first she couldnt give me no real reason why either. I have had income tax checks and everything deposited through Huntington Bank Im really trying to understand the issue. I cant acces nothing an I cant even use my bank card. No one can tell you when to use your bank account or how much to deposit or withdraw so no this does not make since to me. I think there was no reason for them to take action against me at all or to even have this happen to me.
Consumer complaint received 2023-02-16
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: PENNYMAC LOAN SERVICES, LLC. (VA)

The paperwork that has been allegedly sent has been abandoned and erroneously filed by Pennymac and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the ADA needs to be alerted for taking advantage of a disable person and veteran. I will also file a complaint with TIGTA and the FTC.
Consumer complaint received 2022-12-08
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. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (OH)

I have been a customer at Marcus by Goldman Sachs for YEARS and suddenly they decided to close my account. I understand that this is their right, but still pathetic. The actual complaint stems from the fact that I was not notified of this! My web access still works fine and I simply get a 'we 're having technical issues ' message when I try to make a deposit. No email or account notifications were sent to me to alert me to a security concern with my account. They also could not give me any information as to why my account was being closed, which is odd to me. As I said, I have been a perfect customer with this bank for years and years, so for them to handle the situation this poorly says a lot about the company.
Consumer complaint received 2023-09-12
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-12-08
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. (NY)

Around XX/XX/2022, I was offered a credit card by the credit company called XXXX XXXX XXXX XXXX.Address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX IL XXXX. 
for credit limit of $ XXXX i took the offer and they said they were going to send me the card within a week or two, so i was waiting for the card to arrive but it never came to my address, So i called them and said that the card did not arrive, they told me to give it another week so i waited for the next week, but the card never came along, so i called them again, now they said they will send me another card so i waited for another card to arrive, but same thing happened again that the card never came to me, so i called them again, and they told me to wait, and to my surprise i got an email saying that my card was activated and have been used for the amount around {$1400.00}. 
So i called them and said i never got the card and i got an email saying that the card was used, then they started transferring from one call to another, I spoke with 2 different agent at the same time, one with the XXXX XXXX and another with XXXX, So finally they said we will investigate the matter, month past nothing came from them, i called them again and again but they keeps on transferring from call to call but no one is helping me. 
they reported me to the 3 credit bureaus and from there my credit score started falling badly. Now instead of investigating the matter they charge interest and started to send me monthly statement via email, I spoke with many customer support but they never helped me, they keep on pushing me in between two departments which is XXXX and XXXX. i am being treated like a soccer ball. 
i have also made complaint to XXXX XXXX XXXX  on XX/XX/2022 with the complaint # XXXX and got respond from the XXXX  informing me that the card company never responded. 
Yesterday XX/XX/2022 i called the company and asked for all the documents about the investigation made by them so that i could go to the new york police department to file a report but they did not accepted my request and never send anything to me. 
Due to this reason, i am having XXXX and XXXX XXXX and i lost a lots of points in my credit score.

i am requesting Federal trade commission to look into this matter. 
Thank you Sincerely XXXX XXXX
Consumer complaint received 2023-09-12
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION (TN)

In XXXX of 2022 i started receiving phone calls and voicemails regarding a loan past due. I called the company with no knowledge of this loan and expressed that to their representative. They told me it was mt ex husband who took the loan out and I had been put under the laon as well. Since then he has not been paying this loan and it has hit my credit. they told me over the phone i could not be taken off the loan unless I report it as fraud as i am doing.
Consumer complaint received 2023-09-12
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-12
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. (FL)

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 2018-05-01
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: EQUIFAX, INC. (TX)

As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Equifax has violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I opened a checking account with US Bank on XX/XX/XXXX, under a publicly advertised promotion to receive a {$500.00} bonus for making two direct deposits totaling over {$10000.00} within 90 days of account opening. I fulfilled this requirement with deposits on XXXX XXXX XXXX XXXX XXXX, but the bonus was not credited as promised. 

The promotional terms, accessed via an online public offer via XXXX search, did not specify any geographical or demographic targeting. Despite this, after multiple customer service interactions totaling over five hours, where service representatives confirmed the promotion was applicable and repeatedly assured the bonus would be paid by specific dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no bonus was paid. 

During these calls, there was a lack of continuity ; representatives did not have records of previous interactions. An investigation was promised on XX/XX/XXXX, with a follow-up within five business days, but no follow-up occurred. When I called again on XX/XX/XXXX, I was informed that no active investigation was in place and no notes had been recorded during prior calls. 

Contrary to prior confirmations, US Bank now claims ( as of XX/XX/XXXX ) that the offer was targeted and my address did not qualify. This contradicts the terms of the offer and the information provided by multiple representatives. I have screenshots and video evidence of the offer, which is still publicly available. Here are the original terms verbatim from the promotional page : " Earn your bonus. Open your checking account online through this page, in a branch or over the phone by XX/XX/XXXX with an opening deposit of {$25.00}. Then complete the following steps within 90 days of account opening to earn your {$300.00} or {$500.00} bonus : 1 ) Enroll in the U.S. Bank Mobile App or online banking ; 2 ) Complete two or more direct deposits. Your bonus is determined by the total amount of your direct deposits : Earn {$300.00} when your direct deposits total {$5000.00} to {$9900.00} ; Earn {$500.00} when your direct deposits total {$10000.00} or more. '' Additionally, under the FAQ section, it states : " Can I share this offer with family and friends? Yes, as long as they do not have a U.S. Bank consumer checking account or had one within 24 months of account opening. '' As of today, a similar offer can still be accessed publicly, indicating no targeting or exclusivity was intended. This situation demands immediate resolution, restitution for the uncredited {$500.00} bonus, and a formal investigation into the misleading practices and failures in customer service at US Bank.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct and update.
Consumer complaint received 2023-09-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I moved out of an apartment in XX/XX/2020 ( under Covid regulations ) and completed a walk through with the management who informed me I had a XXXX balance. 
I received a letter from the apartment a week later confirming my XXXX balance. 
XXXX months later the apartment changed management and new management stated they sent me the letter and XXXX balanced my account on accident. They now state I owe XXXX. 
I informed them that my account had been settled and verified the letter they sent. They confirmed they sent the letter. 
XXXX XXXX, XXXX XXXX ( the apartment ) sent the account to collections. I notified the collection agency that the debt was not valid and sent them documentation. They confirmed they received and said that XXXX XXXX told them the letter was a " mistake ''. ( they do confirm they have the letter ) Collection agency ( Fair Collections and Outsourcing ) then asked me to send more documentation. I already sent the XXXX balance letter. 
Just because a company decides to change their mind later after declaring a XXXX balance does not validate the debt. This is fraudulent at this point as I do not owe the debt.
Consumer complaint received 2023-09-12
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)

In XXXX, I was the victim of a robbery in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX  from my Coinbase account to fraudulent investment firms.
Consumer complaint received 2023-07-10
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. (GA)

XXXX 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. 

XXXX - XXXX, XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
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: BMO Bank, N.A. (IL)

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

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 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