davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-28
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)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XX/XX/XXXX 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 XXXX
Consumer complaint received 2023-12-28
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-28
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. (TX)

XXXX sent some XXXX  to the XXXX  bureaus regarding XXXX  items on XXXX XXXX report. XXXX XXXX have been disregarded and XXXX been receiving XXXX  stating XXXX using a XXXX party. I have attached XXXX XXXX  and XXXX  to this complaint for XXXX  review.
Consumer complaint received 2023-08-10
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. (FL)

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.
Consumer complaint received 2023-12-28
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. (LA)

This is XXXX XXXX please do not deny XXXX  complaint by stating that I filed this by some other means than XXXX. This is done XXXX XXXX by XXXX. The stuff on XXXX XXXX report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of XXXX  reports I never gave XXXX XXXX consent to report anything on XXXX XXXX reports no consent is fraud.
Consumer complaint received 2023-04-14
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. (TX)

My credit consumer report withholds inaccurate information communicated from XXXX, XXXX and TransUnion. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX The company has not provided the authorized agreement creating the debt which is required to collect on a debt XXXX XXXX. Therefore if there was no agreement in place validating the debt, That means I have no contractual agreement to pay them an alleged debt Under 15 US Code 1692f ( 1 ). Unfair Practices please delete this account immediately
Consumer complaint received 2023-12-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CT)

I received a phone call about the debt in question, never received a letter so I decided to send a debt validation letter on XX/XX/XXXX asking for : copy of the original contract signed by me, amount of the alleged debt, including any interest and fees, account statement from open to close and a breakdown of how the total amount claimed is calculated, proof that they are authorized to collect this debt, copy of their bond that shows they are legally registered in Connecticut and any relevant contracts or agreements that demonstrate my obligation to pay this debt to them. I received a response in XXXX dated XX/XX/XXXX, it was the lease signed by me, a paper with XXXX 's information and what seems like a summary of the amount and nothing else. In my letter I was clear that they must not report it unless they can provide me with all the information that validates this alleged debt but they still went ahead and report it, damaging my credit score. I believe they are at fault and knowing they can not provide all the information they must by law, are now trying to affect my score. I can not upload the lease because it is too long. Please help me remove this from my credit report.
Consumer complaint received 2023-05-29
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. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kashia Services (IL)

My identity has been involved in a XXXX data breach. I was unaware of the data breach and was then hit with constant calls that involved debt collectors from Credit Card companies and personal loans. I believed that these were just spam calls and people trying to get me to pay money that was not real. I then tried to pull a credit report and the credit report was frozen and they were not frozen on my behalf. I have filed a claim and an identity theft report. Please remove all hard inquires, payments, and collections from my report. 

Thank you
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX Chase close my account the balance in my account was {$770.00}. Call Chase to find out when the check for the remaining balance was going to be mailed out they told me it had already been mailed out and that should receive it within 7 days and nothing so I called again and they told me that the money for the remaining balance was suspended and that they did not know when I will receive those funds I got a statement stating that chased it a debit XXXX for the amount of {$770.00} so they have not yet to send me a check for that amount all I want is what belongs to me.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Chime Financial Inc (GA)

I have had a Chime account for a few months. My paycheck is direct deposited into this account. I accidentally logged myself off of the app last week. I also have a new phone number from when I opened the account. I tried to retrieve my password and they locked my account. I have been communicating with them for 6 days. I have uploaded documents they requested and they still refuse to unlock my account. That is my only money source and XXXX is in 3 days
Consumer complaint received 2023-08-13
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)

I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under 5 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), with a corresponding FTC report on file.I have taken immediate action to address the identity theft by contacting the appropriate authorities, as well as by diligently following the guidelines outlined by the FTC. It is therefore imperative that my rights under the specified U.S. Codes are fully recognized and upheld by your agency.
Consumer complaint received 2023-08-13
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. (AZ)

XXXX XXXX XXXX has reported an account with a {$0.00} balance to the credit reporting agency as 30 days past due. They have charged a monthly fee and added a late fee and NEVER sent me a bill electronically or via US mail and now have damaged my credit report. On numerous occasions in the past I have attempted to close this card due to them not allowing me to pay the annual fee up front and for them doing this sort of thing in the past. They then waived the annual fee and now they are charging it again and adding a fine and not sending me any billing information. This is fraud at the highest level and damaging to my credit report for an annual fee that I am not allowed to pay upfront.
Consumer complaint received 2017-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GreenSky, LLC (CA)

I hired a solar contractor to install and setup my solar system back in XX/XX/XXXX They arranged the financing through GreenSky. GreenSky approved me without question for a twenty year loan at XXXX which is a good rate and the processing was seemed normal. 

The unusual thing about the loan is the contractor could withdraw the funds when the job was complete, or so I was told. I never signed anything allowing them to do that in advance. The contractor reassured me in an email that they would not charge me anything until the job was done. They did n't want a deposit either. The bank gave me one document that states that I am NOT responsible for any money charged that I did not authorize which I did not, neither orally or written. 

My solar system is not working or should I say the installation is not complete still today. The electric company and city where I live are coming onXX/XX/XXXX to finalize the installation and approve it providing that the contractor completes all of the required documentation. 

But on XX/XX/XXXX, the contractor withdrew the entire amount of the job from my bank account with GreenSky!!! I was blown away. I emailed the bank several times ( they have a special group to solve issues ) without success. The bank was supposed to have the money put back in my account onXX/XX/XXXX and the contractor agreed to do that in an email, but it 's still not there ( shows that I owe it but no payments due as of today ). I can give you all of the documentation you need. 

The bank told me in the last email that the contractor will make the payments. I told the bank that I did n't authorize the transfer of funds, and therefore I 'm not liable per their documentation. 

I 've asked for the financial documentation but no one has sent me anything other than the original documents that I signed having to do with the contractor. The bank has sent me nothing. I also told the bank that if the contractor gave them a signed document authorizing the transfer, then they forged my signature. 

I 'm submitting a complaint to the BBB ( both against the bank and the contractor ) and the Contractors State License Board of California later today. 

Thank you for your help.
Consumer complaint received 2024-03-29
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-25
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. (GA)

Account is XXXX XXXX  to be on credit report. First date of delinquency is incorrect. Account was opened in XX/XX/2016 and no payment was ever made and it was sent to collections.
Consumer complaint received 2023-06-06
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: ID Analytics, Inc. (MD)

I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. XXXX, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

As the designated representative of XXXX XXXX, I must urgently address the unwarranted and ongoing restriction on our Chase bank account, effective since XX/XX/XXXX. This issue, stemming from a dispute between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, is unrelated to our firm 's direct operations yet has regrettably ensnared XXXX XXXX, causing considerable operational and financial strain. 

Background : XXXX. Our client, XXXX XXXX XXXX, engaged with XXXXXXXX XXXX  for the purchase of two vehicles : one valued at {$55000.00} ( purchased on XX/XX/2023 ) and another at {$33000.00} ( purchased on XX/XX/2023 ). He issued checks for these transactions, which were processed through a partner dealership. 

2. Simultaneously, XXXX XXXX fell victim to identity theft. This criminal activity involved fraudulent credit applications in his name and a deceitful identity theft report falsely declaring all his credit activities, including valid loans, as fraudulent. 

3. This nefarious act resulted in the removal of the {$55000.00} loan from XXXX XXXX credit report, while the {$33000.00} loan is still documented on his credit report. 

Legal Position : - In line with the Uniform Commercial Code ( UCC ) 3-305, XXXX XXXX, as a holder in due course, is legally entitled to enforce payment despite certain defenses. The legitimacy of the transactions with XXXX XXXX fortifies our legal standing. 

- Additionally, according to the Fair Credit Reporting Act ( FCRA ), the wrongful exclusion of XXXX XXXX legitimate {$55000.00} loan from his credit report infringes upon his rights, indirectly affecting our company. Furthermore, this unwarranted freezing of our funds by Chase contravenes our rights under the UCC and possibly the Electronic Fund Transfer Act ( EFTA ). 

Attached Documentation : 1. A detailed police report on the identity theft incident suffered by XXXX XXXX. 
2. A formal statement by XXXX XXXX presented to XXXX XXXX, confirming the legitimate nature of the funds applied for by him. 
3. A copy of XXXX XXXX 's latest credit report showing XXXX XXXX XXXX loan of XXXX reflective.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: EAST WEST BANK (CA)

Complains about East West Bank XXXX XXXX XXXX illegal opening of business Account on XX/XX/XXXX I, XXXX XXXX and XXXX XXXX, the couple, jointly own XXXX XXXX XXXX XXXX. Both are the directors of XXXX XXXX XXXX. 

It comes to my attention that XXXX XXXX has circumvented the corporate procedure and opened a corporate account by himself in the East West Bank XXXX XXXX XXXX on XX/XX/ with more than {$300000.00} without any corporate resolution of all directors and the signatures of all directors. The account number is XXXX
Consumer complaint received 2023-06-06
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (TN)

On XXXX XXXX there was a withdrawal of {$300.00} out of my account then on XXXX XXXX there was a withdrawal of {$600.00} out of my account I found this out while I was at work because I kept on getting notifications where someone had transferred some money from my checking to my savings and withdrawing it all out of my account I went to XXXX XXXX banks XXXX on XXXX XXXX and the other was on XXXX XXXX both in XXXX Tennessee and I didnt get the proper help that I needed claims came back denied and the fraud center had made it seem like it was me that had took money out of my account but I was at work when this happened. The fraud center told me there was nothing they could do about it.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

XXXX made two Wire Transfers to Wells Fargo from my XXXX to my Wells Fargo Account. XXXX claims that Wells Fargo is holding the funds from both Wire Transfers but will not send it back to XXXX as requested or acknowledge that they have received the funds. Wells Fargo will not provide a phone number or contact to discuss this issue. 

XXXX is refusing to provide tracking Documents to support the status of the Wire Transfer.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MD)

That on XX/XX/ I sent a written notice to Department of EducationXXXX opting out of credit reporting. The Department of EducationXXXX has yet to respond to my demand.
Consumer complaint received 2023-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Self Financial Inc. (FL)

ATLCAPBKSELF is a debt collection company that is based out of Texas, however I live in Florida. Thats a violation of 15 usc 1692 b ( 2 ). 
Second its a company that bought my debt without my consent which makes this identity theft. 
Last the information that they reported to the 3 credit bureaus are inaccurate. For example investigate : account #, account status, date opened, last reported, date last active, date of last payment. These columns are all inaccurate.
Consumer complaint received 2020-07-29
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)

I am a victim of Identity Theft and a XXXX XXXX  XXXX  was opened with my identification. I have made a report to FTC and will attach it with my documents of proof of identification because Experian is in violation of the law. They said that it wasn't me who sent the information when I gave proof of my identification.