davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I havent been able to use any funds on my Ally bank account for almost a week. I have called their customer service and, after passing all the verification questions, asked to transfer the entire balance to my other bank account. The transfer was initiated by the customer service on XX/XX/2023. Two days later my account was suspended. I called the fraud department and after a few verification questions the account was unsuspended. It was advised by the fraud department that there will be no issues to transfer the amount now. So on XXXX of XXXX another transfer was initiated to the same ( my own ) bank account which was suspended immediately together with my bank account. I called again to unblock the account. The account is suspended for any services now so I have been totally unable to use my funds since XX/XX/XXXX. On XX/XX/XXXX another transfer of XXXX was initiated to XXXX which didnt post yet. It is supposed to be posted to XXXX on XX/XX/XXXX but Ally bank customer service says that the account is suspended so the funds will not arrive. I left a request to unsuspend the account again on XX/XX/XXXX. All my previously connected by me banks disappeared from the transfer section of the Ally bank App making me unable to use ACH transfer. I have had quite a bit of distress from Ally bank banking practices described above.
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (SC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Experian have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge off : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$580.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} ;
Consumer complaint received 2023-02-04
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. (NV)

I have been trying to place a freeze on my personal consumer information but they have made it difficult for me to do so. I want this done because they furnish my personal information to 3rd parties without my consent. I also understand my rights under federal law. 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 2023-02-04
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. (KY)

Im resubmitting 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 COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; MEDICAL XXXX Balance : {$64.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (OK)

XXXX Creditor Contact Details XXXX, PA XXXX XXXX I have no idea who they are or what they do. They keep putting hard inquires on my credit report every number that I have tried to call is disconnected. Please remove them from all of my credit reports. 
XXXX, OK XXXX XXXX
Consumer complaint received 2023-02-04
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. (GA)

I sent a letters to Experian, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 


Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from my credit report.
Consumer complaint received 2024-03-21
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. (GA)

I provided company with a FTC reporting stating debt is not mines. It came back verified from transunion. I never have applied/ stayed at XXXX. The information XXXX  had on file was not accurate. But somehow transunion verified it. TRANSUNION IS ON THE VERGE OF GETTING A LAWSUIT. Transunion did the same thing to me with the company " XXXX  '' for months it came back verified until i called XXXX  myself and we got to the bottom of it the account was fraud and it never belonged to me they contacted the correct vendor who used my name. Transunion is not following proper guidleines and im asking for this account to be REMOVED IMMEDIATELY. as this account is fraud. ALSO PLEASE NOTE THAT THIS COMPANY HAS REPORTED TO ALL 3 credit reports and all amounts are different information must be reported accurately. Im giving 15 days or FROM THE DATE OF RECIPT BEFORE FILING LEGAL ACTION.
Consumer complaint received 2023-02-04
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. (TX)

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-01-26
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. (TX)

n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # 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 an account without my written instruction.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (TX)

I have already disputed this accounts with the credit bureaus. XXXX  has already disputed them I don't know why Experian and XXXX  havent. However, these are fradulent accounts and they need to be deleted from my credit reports immediately. 
I am a victim of the XXXX  data breach and I don't know who could've gotten a hold of my information. Please delete these accounts.
Consumer complaint received 2021-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

We opened an HELOC in XXXX. 
We wrote two checks against it, dated XX/XX/XXXX & XX/XX/XXXX. 
It was payments for purchases/services. They were not cash advances.

HELOC 's apparently are very different, so the cash advance designation remained.

We were making payments on that obligation. 

Then, I got diagnosed XXXX. My remaining life expectancy was 6 months to 2 years. XXXX has no cure to this day, expect a XXXX transplant. My chances for a transplant were negligible. It was 'first come first serve '' operation and I was at the end of a very long line. What saved me was a new law ( XXXX, XXXX XXXX XXXX XXXX  ) passed in XXXX which altered how transplant recipients were prioritized. I was XXXX at the time, and otherwise healthy. I jumped in front of the line based on the XXXX. I am a blessed man. 

I underwent a XXXX XXXXXXXX transplant in XX/XX/XXXX. Post-transplant life has been extremely gratifying, and equally challenging. Recovery has been even more challenging due to chronic rejection. 

It took years before I was able to get back to my wordily affairs. I was startled to see our HELOC balance at {$99000.00} on statement dated XX/XX/XXXX. We had made every payment since XXXX and expected the balance to be much lower. Since, I have been requesting information from PNC about why our balance is so high. It took years but it was identified that that there were two additional checks written on XX/XX/XXXX and XX/XX/XXXX. Both were listed as " Convenience Check XXXX MI ''. We did not write those checks. We have been asking for years if we can get copies of those checks. We have not missed a payment. This morning ( XX/XX/XXXX ) we received a call form PNC representative to discuss the issue. He concluded the conversation by stating that PNC is only obligated to provide copies of the documents for 7 years so they will not provide us the check copies. Also, if we stopped making payments, they will take us to collection. 

We have all supporting documentation, if needed. Please advise if you can help us in resolving this matter. Thank You.
Consumer complaint received 2023-02-04
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. (VA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX 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 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.
Consumer complaint received 2023-02-04
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. (CA)

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments in the payment history. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

On XX/XX/2019 I was denied credit with a credit card company, XXXX XXXX. The reason they gave was based on information on my credit report and they advised me to get a copy of the report in order to correct any potential issues. 

I contacted the following credit reporting agencies : XXXX, Equifax, and XXXX. 

Allegedly there is a discrepancy with my Social Security number. The reporting agencies stated they have the wrong Social Security number tied to my name. They have not corrected this. 

This has resulted in my inability to secure credit and has resulted in my not being able to get a credit card or purchase a car. The impact to me has been significant and material. It has impacted my day to day life, and I have no recourse. 

After countless hours, repeated attempts, telephone calls, e-mails, data uploads this issue is still unresolved. The credit agencies are not responding or making material efforts to resolve this issue. Based on the responses I have been given, there has been little to no movement in attempting to resolve the Credit Reporting Agencies Failure This issue has resulted in a loss of credit building which will put my plans on hold of buying a home.
Consumer complaint received 2021-12-29
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day 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 ), stales plain and clear that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it is past the 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 several breaches, including the XXXX data breach and have gotten into the hands of the wrong person. I have provided all my proof of me being a victim of identity theft and have filed several FTC reports and this situation is being ignored by the bureaus.
Consumer complaint received 2023-02-04
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. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/23 i deposited 2 checks. One was from my grandmother, the other my paycheck. I called the bank starting on XX/XX/23 because my account had been frozen. This is the 2nd time they have done this. When asked why, they have told me a million things from the checks being fraud or the account not having money in it. They evebtually told me they were ending our relationship and I could get my paycheck out at a branch once it cleared. After beind told a million times I had to wait 10 business days for them to send the checks back and than other 10 business days for them to mail me a check. By that time it would have been a month. It has already been a week and I have been told that I can not touch my money and they will hold it indefinitely. I need my money. There is nothing wrong with these checks. The one they sent back, I took to the bank it was from and had it cashed. My paycheck which they froze before as well eventually cleared so why are they holding it again?
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX  Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was discharged, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. For example, the Late Payment Account w
ith XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with XXXX was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-04
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. (CA)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2023-02-04
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. This was already included in my prior COMPLAINT, and I'm including it again. 
Please validate this account : XXXX  XXXX XXXX .... Balance : {$560.00}