davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (NC)

Hello! My situation is unique, and your options don't coincide with what's going on. So, I will explain it below. 

I applied for a personal loan on XX/XX/23 on Navy Federal Credit Union 's website. I keep my credit reports frozen, so I lifted the freeze just to apply for this loan. I asked for $ XXXX, but was counteroffered $ XXXX on XX/XX/23 online. 

Before declining their offer, I decided that I wanted to apply for an auto loan instead to pay off my XXXX XXXX XXXX. So, I emailed XXXX XXXX on XX/XX/23 asking if I did this, would they be pulling my credit again because I didn't want them to. They responded with a vague answer that it was up to the discretion of their lending department but they couldn't guarantee that they wouldn't pull it again. At this point, my credit reports were frozen again. 

So, I declined their personal loan offer on XX/XX/23 & went ahead and applied for the auto loan. Again, I emailed them asking them whether or not they'd have to pull my credit when they just did so on XX/XX/23. The response I got today, XX/XX/23, was the same vague one they sent me before. Then, they said I could call customer service and follow the prompts to the lending department after I asked for a lending manager to call me. 

So, I called XXXX at XXXX XXXX & eventually spoke to XXXX once their automated system called me back. They had a lot of customers ahead of me. I explained the situation to XXXX & he said that he didn't understand why customer service didn't just explain that the first report they pulled on XX/XX/23 was for a non-collateral personal loan. The report they tried to pull yesterday from the same credit reporting agency ( XXXX ) was for a collateral loan, and it's just their policy to pull it again. It doesn't make sense, but that's their policy. 

When I emailed them earlier today, I emailed my credit score along with proof that they already pulled my credit 3 days ago. My credit hasn't changed in 3 days & the vague email response just keeps stating that it's up to " their discretion '' whether or not they will use my XX/XX/23 credit report. If it's up to their discretion, then they are saying that they have the ability to use the report that they already have in their possession to make their decision on my auto loan application if they choose to. Them trying to pull it again yesterday would've caused me to lose more points from my score had my report not been frozen, and that's not okay with me. 

When I asked to speak to a manager earlier today, I wasn't given that opportunity. I'd like to apply for this loan with them, but I will go to XXXX, if necessary. This policy is illogical & doesn't seem to protect the customer at all.
Consumer complaint received 2023-05-30
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. (VA)

My name is 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 2023-05-30
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. (LA)

My name is 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 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX are both trying to collect the same dollar amount from an old debt that has already reached its statute of limitations. So not only is the debt past the timeframe but two companies are reporting the same debt as if its two different debts.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete off my credit report accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

LOCKHART, MORRIS & MONTGO Is a collection company and told me the company that my debt to the collections where trying to collect my debt from a medical bill from XX/XX/XXXX, LOCKHART, MORRIS & MONTGO received the debt on XX/XX/XXXX. Ive never been charged like this as many times as I go to the emergency room, and I had a XXXX in XXXX I dont see that medical bill reported nor any of my visits reported, this collection is the first and only big medical bill Ive had reported. And I dont understand why its a bill for the doctor and not the hospital. I was not notified through email as well on XX/XX/XXXX, I also dont recall being seriously ill or injured.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened Citi XXXX XXXX credit card. After account opening Citi bank requested documents from me, ssa-89 form. I've sent the form, they received form on time. They reopened my account once they've found out that they have received. But another department of Citi bank closed the account stating that they've never received document, despite the fact that I sent the form. Please help file a complaint against Citi bank in this regard. I did everything they've requested. Whenever I called them they wouldn't tell that I need to send separate letter to another department. So I thought my account was ok. 
Thank you
Consumer complaint received 2023-05-30
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 is 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 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IA)

I am a Chase Bank customer for many years and never had any issues. Few months ago I opened a business checking account and a business credit card with them. The bank closed the business credit card due to missing sign documentation, only the credit card not the checking account. I was in contact with the bank and visited the branch to take care of the issue. The banker confirmed with the back office that they were unable to find the sign application or any documentation that was signed when opening the account. The banker located the initial docs that were signed when opening the account at the branch, and I was assured that all the paperwork will be faxed and the account will be reopened in 5 to 7 but days. Called the customer service multiple times and I was advised that account will be reopened within 5 to 7 business days. Called again after 2 weeks from submitting the request at the branch and the customer service rep could not help. The call was escalated and was on hold for 50 minutes. All this just to talk to a escalation rep that advised the paperwork was not received and I should apply for a new account or go back to the branch. She hung up on me after advising that is nothing she can do. Waisted 1 hour and 7 minutes of my time to have a representative disconnecting the call on XX/XX/year>. This is inaceptable.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifax InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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. (PA)

My name is 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 2023-05-30
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. (FL)

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 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 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-30
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. (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 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 2017-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK (MO)

I opened an account with Commerce bank. My initial deposit was for the amount of {$450.00}. I then made a second deposit for {$200.00}. I wrote a check for {$90.00}. and one for {$270.00}. and made a withdraw for {$100.00}. Thats a total deposit for {$650.00}. and a total withdraw of {$460.00}. Leaving a balance in the account of {$180.00}. But then the bank decided to shut off my debit card and not allow me access to my remaining funds. I called them to find out what the problem is but the customer service girl just kept repeating that it was at the banks discretion. It does n't make any sense to me.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

I had a loan car with Ally on XXXX  and I trade in the car for a new car and there were a money that they should refund me since the amount of the car were paid off. So I moved from XXXX XXXX Tx to XXXX Tx and I haven gotten my old mail until a month ago which was XX/XX/XXXX. I found two checks from Ally one of the checks was for the amount of {$840.00} Ch # XXXX and the other for # XXXX Ch # XXXX. Those checks has dated of XXXX, so I sent an El mail to them through the app let them know about the checks and if they could send a new checks with the date updated, and they said I should call because they need more information. I called and one of the representatives who took my call assured me that the checks will be send them during the 7 or 14 days, and he cancelled the old checks. Well the 14 days passed and the checks never arrived. So I call Ally again and other representative told me that I should call next day and the checks will be send them through the night, and I said how they will be sending the checks during the night mail if they couldnt send the checks in 14 days. So I asked him to transfer my call to his supervisor and XXXX con badge # XXXX took my call and she said that the checks can be send them because they are in investigation because they need to know where is the money of that checks, and the investigation will be lasting around 4 weeks to 6 weeks. I really was upset because that looks that they were just telling me lies just to dont call again. So I sent another email thro the app because they said those email goes directly to accounting department, and they just ignored my email. So today XX/XX/XXXX 4 weeks already from my first call I decided to call again to know the updates on the checks and see if they finally have sent the checks, now another representative told me that I have to wait another 4 or 6 weeks because they have to know where the money goes because the money doesnt appear in their accounts, that they can see that the checks have found and still have founds but they have to check where that money went internal to could send me the new checks. I have another car financing with this company and actually I dont know if they are a trusted financial company since they are just keeping that money. I dont know what is the problem with the checks if like I said that money is mine and I have all the right to have it, because the car was paid in full, and they dont have any right to take it. I really appreciate any help that you can give it to me, because like I said this people just are telling me different stories and at the end they will keep the money to them.