davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (GA)

XX/XX/XXXX and XXXX XXXX XXXX violating my rights gave me false information and they took my vehicle I lost my job now I'm homeless because of them taking my vehicle even though I did a 1099 a and it was accepted here are a few codes that they violated 15 USC 1692 is one violation violation 15 Usc1611 15usc 6802 false information about the sum of the vehicle and then they gave my information to a third party when they repoed my vehicle and they're still calling my phone harassing me and they lied about the sum of the vehicle because they never added in the warranty for 5 years the car insurance for 5 years
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (TX)

In XX/XX/2022 I cancelled my account and had the credit card company close my account. Now I am seeing that they are attempting to charge me a yearly fee of {$100.00} for that same account / credit card.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I need to temporarily remove a credit freeze from Experian in order to open a new bank account. I have attempted to log into my account with Experian using log in credentials that were successfully used to access the account in XX/XX/2022. Those credentials do not work to provide access to my Experian account. When I try the recover password option the Experian site says the account does not exist. 

Attempts to reach live customer support at Experian have been unsuccessful and the automated options are not helpful to me. 

I need a live person at Experian to help resolve this matter.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (NC)

This is a follow up Complaint to the previous CFPB I submitted requesting the correction on the misleading information the Credit Bureaus have been reporting on my Credit File. I previously requested that the Credit Bureaus investigate the account : XXXX  XXXX XXXX with account number XXXX  and date opened : XX/XX/2021 as I believe the information reported by the Credit Bureaus is not accurate and is misleading. In accordance with the Fair Credit Reporting Act, I have the right to request an investigation, free of charge, and have any accounts and information reporting unverified and erroneous information corrected. I am submitting this CFPB Complaint to make sure that the Credit Bureaus are doing their responsibilities as per my requests. I have never missed a single payment on this account and it make me wonder as to where did the Credit Bureaus get the information that I missed some payments on this account? I need the Credit Bureaus to rectify this error as soon as possible.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

there are fraudulent addresses on my credit report. i tried to fix with the credit bureaus and they are refusing to remove them. my only and unique address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX i have been living there for over 5 years. any other addresses with different apartment number or without apartment number on my credit report is fraud. and i want addresses other than the one i provided to be remove immediately
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (NV)

yes, I have already gotten my new card and i'm still seeing one more Fraud transaction on my account! and I have tried to call to get this fix so many times and they keep saying that were gon na take care of it but nothing ever happen and i'm spending more time answer non sense question. I don't know how you guys are being trained but this fraud transaction need to go! 

XXXX for XXXX on XXXX XXXX XXXX 

and please train the last XXXX agent i spoke too but they have been wasting my time on the phone when i could have been doing something else. what a great way to raise my stress level!
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

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.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (NJ)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX. and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (HI)

Experian is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by Experian. These are attached. My account and credit has been compromised.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CT)

On Saturday XX/XX/2024 I made an error in a payment to my electric company XXXX XXXX XXXX XXXX on line .i have the monthly bill for services and also loan for over XXXX dollars .when making the transaction I must have hit the full amount button and it took over XXXX out of Wells Fargo band accounts which brought me to a XXXX balance .i discovered this on Monday morning and immediately called the XXXX company to pls cancel this it was an error!! They refused saying the bank had already approved the payment. I called Wells Fargo customer service and spoke with three different representatives going up the ladder and was told it would take XXXXtill XXXX days to investigate!! I had no money in my account I begged them to stop payment because the payment was still pending they claimed that it was too late and again I should contact the XXXX company!! Now Im running back and forth to the branch in XXXX, XXXX .trying to get statements from them to submit to the XXXX company in order to try to get a refund!! I am XXXX years old and single and retired!! I admit I must have hit the wrong button but these two giant corporations have caused me so much stress and XXXX because of their so called policies and processes!! I still will be without the money for XXXX to XXXX days because of there not willing to just stop the payment on either end!! I have been a customer of Wells Fargo for XXXX  years even before when they were XXXX and XXXX XXXX banks!! They went into my overdraft protection balance without my knowledge I have never been overdrawn in my account with them!! I wasnt notified that I was overdrawn until today after they processed the payment!! Which like I said the payment was still pending yesterday Was this straightened out and I dont know when it will be .i will never do business with Wells Fargo again !! I will close out my accounts with them XXXX XXXX
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (KS)

On XX/XX/XXXX, I had {$10000.00} transferred from my XXXX XXXX  account to a new bank account I had set up earlier in the week with Associated Bank. After a week of the funds not being posted, I called Associated Bank. They said that XXXX stopped the transfer of those funds and that triggered a fraud investigation into my account so it was frozen. They said that the funds from XXXX were never received by Associated Bank and that I needed to speak to XXXX. XXXX says that the funds were definitely sent to Associated Bank and they have a tracking number to prove it. I called Associated Bank back and they said that the tracking number doesn't help them and that there is nothing they can do. I have spoken to multiple people at both banks and have called Associated Bank seven times in the past week to try to understand what happened to my money. At this point they are referring me to the same woman- XXXX in the fraud department - who just says there is nothing they can do. I have left a message at Associated Bank corporate headquarters and have not heard back. In my XXXX XXXX  account, I can see the record of the funds being transferred to Associated Bank.
Consumer complaint received 2023-06-29
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account NameXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

I was misled and tricked into signing up for a credit card I didnt want with jp Morgan chase bank . I went in for a small business loan and the bank employee named XXXX XXXX lied to me and cornered me into signing up for a chase ink credit card. I felt pressured into this whole situation. Now I have a hard inquiry and its going to harder to get what I need for my business. I called chase customer care, a loan officer told me the truth after I asked him the same questions I asked the bank employee. I had asked her the lowest amount possible for a business loan she laughed at me and said $ XXXX and my only option would be to sign up for a credit card. The loan officer on the phone said that was untrue that I couldve signed up for as low as $ XXXX without a credit card. Now I have a credit card I dont need or want. Help me please. Im losing sleep over this!
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-06-29
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. (TX)

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. 


Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number:XXXXXXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-02-13
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: Experian Information Solutions Inc. (TX)

My private information is being shared without my consent. I need my privacy protected at all costs! I have a right to privacy and my right is being violated at the moment. I need this to stop immediately.
Consumer complaint received 2023-06-19
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. (CT)

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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

NOT ABLE TO VIEW CONSUMER REPORT ONLINE PORTAL. THIS IS MY 3RD TIME CALLING IN ABOUT THIS. THIS IS CAUSING EMOTIONAL STRESS AND I CAN'T GET MY FREE CONSUMER REPORT ONLINE LIKE THE FCRA SAYS I CAN. PLEASE FIX IMMEDIATELY
Consumer complaint received 2023-06-19
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. (PA)

inquiries and 1 collection account on credit report were not authorized and fraudulently acquired through identity theft collection account XXXX XXXX XXXX Inquiries XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX  XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX
Consumer complaint received 2023-06-02
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)

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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (UT)

Equifax has received written notice, including signed Bank Notarized Affidavits to Never add a Fraud Alert, however, Equifax keeps adding Fraud alerts intentionally stating I requested a fraud alert which is a Blatant lie. Equifax blatantly Break the XXXX daily without Any repercussions from the Federal government! Requested on XX/XX/XXXX, and now XX/XX/2017 a security freeze waiving the {$XXXX} fee by submitting a police report and they are giving me the Run around that they have n't recieved the documentation. XXXX and XXXX received the same documentation and added a freeze immediately. I want the CFPB to keep this case open until this matter is stated resolved. Equifax keeps stating they automatically add XXXX alerts even though they have the attached letter requesting to Never add any Fraud alerts to my account without my consent otherwise they are violating the federal law. Additionally they need to sent a complete copy of my credit report by mail. To make sure my information is correct.
Consumer complaint received 2023-06-29
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-29
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. (MS)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.