davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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: SANTANDER HOLDINGS USA, INC. (NY)

I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are Santander USA, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

XXXX inquired hard on my credit 3x consent wasnt given for any of these.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-02
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2018-01-03
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. (IL)

Contacted Transunion today onXX/XX/XXXX in regards to being a victim of inquiry issues they had XX/XX/XXXX to XX/XX/XXXX. Explain to the representative i pulled my credit today an saw the inquiry. Spoke with XXXX who was a representative an he said he could not help me i would have to contact the creditor. I then ask to speak to supervisor by the name XXXX who advised me that i was not victim an he could not delete them for me. Inquiry are below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX.XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX.XX/XX/XXXX
Consumer complaint received 2022-11-18
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. (GA)

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 demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

We filed a dispute in XX/XX/2020 against a vendor named XXXX for fraudulent charges. Since that time Citi Cards has made no real progress and in fact we do not think that we have been fairly represented. 
1st Citi Card opened the dispute for the wrong amount : we filed the dispute for {$16000.00} and not {$1900.00}. 
2nd Citi Called and tried to close the dispute for what they interpreted as credits of {$17000.00}, but had they read the dispute they would realize that this figure was over-billing error corrections/credits and not a refund of the fraudulent disputed amounts. 
3rd I get a call from Citi Cards ( XXXX ) on Thursday XXXX XXXX regarding the dispute, and she had no knowledge of the details of the dispute which we had filed nor any of the communications that had transpired since we opened the dispute. So we had to start all aver again by resending the dispute details. 

I am a long time card holder and I feel that I deserve better customer service than this. I am hereby appealing one more time for Citi Card to provide me real and fair dispute resolution, which I am entitled to as a card holder.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX THE BANK MADE THE DECISION TO CLOSE MY PERSONAL CHECKING ACCOUNT BUT I HAVE NOT RECEIVED THE FUNDS I HAVE MORE THAN 10 BUSINESS DAYS SINCE THE ACCOUNTS CLOSED AND I DID NOT RECEIVE MY MONEY WHAT HAPPENED WITH MY MONEY
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Owed : {$240.00}, XXXX XXXX Balance XXXX : {$0.00}, XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall XXXX XXXX information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank XXXX discriminates electronic transfer fund verification department XXXX  discriminates. Other customers only need to receive verification codes on their mobile phones or enter bank card information to verify their identities. One of them, and they added an extra question to me before I would answer their questions. Even if I got the answer right, I would say I was wrong. What the XXXX is this? It is clear that bullying me is XXXX discriminatory. My name is XXXX XXXX, and my phone number is XXXX. I want to be fair to me. Everyone only needs one of the two. And I have to add one more verification than them, it's not fair, it's XXXX
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2023-02-02
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2020-12-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

In XX/XX/2019 USAA Federal Saving B added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, USAA Federal Saving B has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I noticed a charge of {$600.00} that I did not authorize. I contacted my bank ( Chase ) and reported this. The fraud department canceled my debit/credit card, reversed the funds. On XX/XX/XXXX I saw that the amount of {$600.00} had been reversed. I contacted the bank and they advised me that the company ( XXXX ) had sent them information that I had ordered from them. They stated that the package was sent to my old address ( I had moved one year earlier and had not changed my address with the bank ) and they had a tracking number. The bank told me that I would have to deal with XXXX directly. They gave me the number of XXXX. 

I contacted XXXX and was told by the representative that I had order the product and it was my bill. I explained I had not ordered from them. They told me to contact my bank. Over the next two weeks I contacted them daily, they gave me the same story. I asked for the address for their corporate office. The man laughed and said, " We don't have one, we are in XXXX XXXX ''. I told him that I wanted to talk to his manager. He said, " We will send you and email ''. 

On XX/XX/XXXX I received an email from XXXX, responded to it and received another email from them. After receiving the emails I went into the Chase branch and talked to one of the employees, who after seeing the emails contacted the manager of Fraud and sent her the emails. The final email stated that they ( XXXX ) understands I did not place the order but they do not give out refunds. 

The manager of Chase Fraud said it would take 5 to 7 days to complete the problem and would get back to me. Today, XX/XX/XXXX I contacted the bank and was advised that XXXX said that this was closed and their would be no refund. I asked what the bank would do. I was advised that their was nothing they could do. I requested a copy of all the paperwork between the bank, XXXX and myself. I was advised it would take 7 to 10 days for me to receive it in the mail.
Consumer complaint received 2023-05-26
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. (MI)

XXXX is reporting that I opened a student loan with them in XXXX and XXXX however I never signed a master promissory note with this service provider. My original loan was with XXXX XXXX and Im not understanding how this would be accurately reported for these years by XXXX. I was never supplied with any loans from XXXX. Please request that they send their promissory note with my signature to verify this is actually a loan that I signed for with them. If there is no promissory note between myself for the dates reported by XXXX then I would like my credit report to reflect the accuracy that is within my rights as a consumer.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I opened an account, and everything was running fine. I deposited checks. And for some reason they put a hold- they challenged a few deposits without notification. They only sent me a letter after XXXX days, and I got it after a week. Every little thing they make notices, but for this they waited a week. And I wouldn't have deposited anything else if I had known this. Even more, when you open an online account, you see that your funds are available, but you don't see that there's a hold on the funds. You only get notice when you try to make a transaction, that something is wrong. 

So all checks were payable to my name, but XXXX of the checks were challenged. And they told me they were making a hold on the account, saying they wanted to verify who is the maker of the check, that he gave me the check. By the way, the same checks previously deposited from the same person didn't have any problem. 

First of all, the fact that they made a hold on the account without notifying me was wrong. And the fact that the checks were returned because of this, then I saw that there was a hold on my account. They didn't say anything before this. And when I called, they said they needed to verify these checks. I provided them with the phone # s of the makers of the checks, and they said that these numbers are not matching their system. So I can't give them anything more than give them what I have. Otherwise they can verify with their own information and it's on them. And they need to give me my funds back. 

So they ended up closing the account. And they sent me the balance that was in the account except for the amount of the XXXX checks, which I don't understand what their concern about these checks are. I got the checks from the maker, and I'm willing to give them the numbers, but I don't know what numbers are listed in their system. And I can provide them a letter attesting from the makers of the checks that they gave me the checks. 

By the way, I asked the makers of the checks for the contact information to give to the bank. But the bank responded that the bank has to call these people through their system- they can't call the bank themselves. So, I don't know what I can do further. I called multiple times, and argued with them, but got no resolution. 

Multiple times I spoke with the bank and argued with them that they should either give me back the checks I gave them or to give me the money. And I'm getting nowhere. There's no one to talk to. And the fact that they closed the account is also discrimination. And as a result, bills that I made payments on, had returned checks and other things without notice. 

Any information you need, please contact me. And let me know what help you need to resolve this issue.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my account. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the discrepancies on my account. I urge you to work with XXXX to rectify the inaccuracies promptly and update the data to reflect the accurate and up-to-date information about my payment history.