davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TN)

On Sunday XX/XX/XXXX I created a new bank account online with Ally bank. I requested an initial deposit of {$20000.00} from my XXXX XXXX account into an Ally savings account. On XX/XX/XXXX I noticed my XXXX XXXX account had a negative balance. Ally has requested {$40000.00} instead of the {$20000.00} I had authorized. Realizing Ally had double charged me ; I immediately contacted them and spoke with a customer service rep requesting the funds be reversed. Since it was in processing Ally could not reverse the charge. The {$20000.00} in funds hit the Ally savings account on XX/XX/XXXX and the the remainder from the {$40000.00} was sent back to my XXXX XXXX account since there were insufficient funds. On XX/XX/XXXX I attempted to send the funds back to XXXX XXXX online but there was a XXXX limit for the first 90 days. I immediately contacted Ally and spoke with a rep who scheduled the {$20000.00} to be transferred back on XX/XX/XXXX. Today I received an email that my account had been frozen due to suspicious activity. I have opened a claim with XXXX XXXX for the funds to be reversed. I also contacted Allys fraud department and verified myself. The rep stated he would open a case. I have also left a voicemail with Allys loss prevention line. Bottom line this has been an awful, stressful experience and I just want my initial deposit of {$20000.00} back. This is money I need and its been frozen with no resolution yet.
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX {$800.00} XXXX XXXX XXXX Account # XXXX {$460.00} XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX {$460.00} XXXX XXXX XXXX Account # XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX Bank XXXX {$970.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX Bank {$970.00} XXXX XXXX XXXX  XXXX Account XXXX XXXX {$3000.00} 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 2022-06-05
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. (OH)

I have had existing problems with TransUnion in regards to the federal laws and statutes of the Fair Credit reporting Acts, and the FACTA known as Fair Accurate Credit Transactions Acts. I have went through my credit report and i have pulled it and made notations with the laws of the federal statutes regarding consumer credit practices including the XXXX XXXX Codes that covers all transactions practices of which i noted. 

The Subscribers that report to the federal government and the credit bureau known as TransUnion has violated in violations against the consumer financial protection bureau including the XXXX. known as the XXXX XXXX XXXX which governs the laws of contracts, money, credit, in procedures, practices, of the original creditor, promissory notes, transactions including XXXX debt discharge under the IRS. 

The debts have been written off and discharged by XXXX by accounts payable known as charge off against my self and reported to the credit bureau. The IRS credited the business subscriber that has reporting services to Transunion. The XXXX Debt Discharge covered the business loss by charge off that reports to Transunion. The account was sold as a debt by which debt collector purchased the debt in order to make money which is known as third party not the original creditor which re-aged accounts by false communications which is illegal under the fair debt collections practices acts The original debt can not be assumed by third party by which they falsely assume the original creditor position by deceptions. Third party deceptions is against federal and state laws which is punishable under the cfpb..
Consumer complaint received 2022-06-05
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. (NY)

I have submitted disputes to you and I havent received a response within 30 days, and yall are required by law to do so. Please investigate my disputes, please Thank you.
Consumer complaint received 2022-06-05
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: Resurgent Capital Services L.P. (GA)

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Incorrect Items : LVNV Funding LLC, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-05
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. (NJ)

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXXt # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : 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 a account without my written instructions
Consumer complaint received 2022-09-29
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX BANKRUPTCY DISCHARGED Filing Date XX/XX/2013 Reference Number XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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. (NV)

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 name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX, Account name ; XXXX # XXXX, Account name : 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 2022-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc. (AL)

I purchased a used XXXX XXXX from XXXX XXXX on XX/XX/21. The vehicle had SO MANY problems, that I had to bring it back within 2-3 days of the purchase! Within the first 30 days of signing the paperwork for the car, the dealership had the vehicle in the repair shop for 27 days!! I asked to cancel the sale and stated I would prefer another vehicle or go somewhere else! I was refused! I've only had this vehicle in my possession for 3 months and I've had to take it back to XXXX XXXX for oil to be added twice, plus I've had to put oil in it myself 3 times!! This vehicle leaks oil, and the drivetrain malfunction light comes on every time I get on the interstate and go over 60 miles per hour!! There isn't a warranty on this vehicle and they knew it had MAJOR issues before selling it!! I told them this vehicle was a LEMON and should not have been on the lot!! 

As a female, I feel I was taken advantage of and the General Manager has NOT returned any of my calls and replied to any of my emails!
Consumer complaint received 2022-06-05
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. (DC)

Transunion consumer reporting agency has been reporting inaccurate inquiries on my credit report, that has been causing me financial harm. They just recently deleted XXXX XXXX XXXX inquiries. Deletion is admitting that they wrong for furnishing inaccurate information. 
By law each violation is {$1000.00} dollars. I have included a copy of the deletion and a copy of an invoice pertaining to these violations.
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX {$800.00} XXXX XXXX XXXX Account # XXXX {$460.00} XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX {$460.00} XXXX XXXX XXXX Account # XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXXXXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX XXXX  XXXX Account XXXX XXXX {$3000.00} 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 2022-06-05
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)

XXXX and Transunion are reporting an account with XXXX XXXX with a balance of {$270.00}. This is INACCURATE! As reflected in the statement from XXXX XXXX, the balance is {$6.00}. Please correct this ASAP
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (IL)

This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items
Consumer complaint received 2019-05-08
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. (NV)

Hello, I'm XXXX XXXX. I plan on getting married soon and my beautiful fiance ' pull my credit report. And to my unpleasant surprise, there are accounts/collection/inquiries listed on my reports that i have not a clue about. Please assist me in removing these items from my report as they are results of identity theft. 
Best Regards.
Consumer complaint received 2022-06-05
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: NAVY FEDERAL CREDIT UNION (GA)

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/XXXX. It has been well over 30 days and I haven't received any investigation results. Furthermore, I have been a victim of identity theft and Navy Federal CU and XXXX XXXX are fraudulent accounts that were placed back on to my credit report after being removed and /or deleted on report XX/XX/XXXX. You will find such information in attachment. 

Kind Regards XXXX XXXX
Consumer complaint received 2022-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding (SC)

I file a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX I just wanted to let y'all know something i didn't realize till after I submitted my complaint. I apologize for that but really thought cfpb should know. My mortgage company XXXX XXXX sent me a transferred of my loan letter to new owner that now owns my loan on XX/XX/XXXX. But still told me to not send payment to new owner but to continue sending payments to XXXX XXXX. And then on XX/XX/XXXX I got a letter from XXXX XXXX XXXX XXXX XXXX, is a debt collector trying to collect a debt from the previous owner of my mortgage loan XXXX XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will download what I have so you can see what I'm talking about. But it really seems that my mortgage company is sketchy. Something isn't right ever since XXXX XXXX supposedly took over my mortgage loan that I never received transfer of notice from.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, date of last payment, no. of months inaccurate and also high credit and credit limit are inaccurate. This grounds for removal. 

These Accounts include : XXXX Bank Account # XXXX XXXX Account # XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

I also affixed copy of report from Equifax and XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and there is no third-party involved in this complaint. This complaint is about Experian and the continued furnishing of false reporting of charge-offs on my consumer report. These charge-offs are no longer being reported by XXXX or XXXX ; they have been deleted from my consumer report. I would like to make you aware that a charge off is considered income. Income CAN NOT be reported to my consumer report. I would also like to make you aware that a charge-off is not LAWFULLY defined. Experian must follow-suit and delete these fraudulent accounts from my consumer report. Please see attached documents for further information.
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (PA)

I purchased a Western Union prepaid Netspend MasterCard. When I went to activate the card it would not let me activate it. I reached out to customer service who said that I was in eligible to have a card. When I inquired about the {$270.00} that was loaded onto the card I was told that I have to wait for a paper check. When I asked how long that would take she said it will be sent within 10 business days upon approval. She told me that I could call back tomorrow to see whether or not my refund was approved. This is my light bill money and I feel like Netspend stole {$270.00} for me. I dont understand why I have to be approved for a refund if the card cant be activated. This is basically theft
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting an account with XXXX XXXX with a balance of {$270.00}. This is INACCURATE! As reflected in the statement from XXXX XXXX, the balance is {$6.00}. Please correct this ASAP
Consumer complaint received 2022-06-05
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: JPMORGAN CHASE & CO. (CA)

Now its the third week when I am traveling, I am out of the US, and will be for the following month. 
So today I opened my email and saw dozens of emails from XXXX XXXX and XXXX that something has changed in my credit report. That change is two hard inquiries that I have never done, as I am not in the city. 

The report shows that there were two hard inquiries on the XXXX of XX/XX/2022, one of them from XXXX XXXX XXXX XXXX and the second one from JPMCB AUTO FINANCE ( bank ). I have it on XXXX and XXXX. Thats what my XXXX app shows. Unfortunately, I cant open the XXXX app abroad, I only can see emails from them. Also, I cant call the banks, they didnt pick up. 

And also today I got a notification from XXXX about identity verification. They usually do it when you call them and try to get your debit or credit card info. I didnt call them so I correlate that notification with that fake inquiries. 

I assume that its an identity thief trying to get as much as he can.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MI)

Re : Dispute of Unautorized Reporting of Information, Accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Account Numbers XXXX Account NumberXXXX Dear Sir/Madam, I am writing to dispute the accuracy and validity of the information reported by your agency in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I am formally challenging the inclusion of certain information on my credit report on the grounds of lack of written consent. 

Upon reviewing my credit report, I discovered that your agency has reported information without my explicit written consent. As per the FCRA, consumer reporting agencies are required to obtain written consent before furnishing or obtaining consumer credit information. To my knowledge, I have never provided such written consent to your agency. 

Furthermore, I have not authorized any entity to furnish my information to your agency, nor have I granted permission for your agency to obtain my consumer credit information from any source. Therefore, the presence of this information on my credit report is not only inaccurate but also violates my rights under the FCRA. 

In accordance with the FCRA, I hereby request that you investigate this matter and provide documentation demonstrating that you have obtained written consent to include the disputed information on my credit report. If you are unable to provide such documentation, I request that you promptly remove the unauthorized information from my credit report. 

Please be advised that failure to comply with the FCRA and rectify this matter within the prescribed time frame may result in legal action to enforce my rights under the law. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the disputed information once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe stipulated by law.
Consumer complaint received 2022-12-17
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. (MI)

XXXX XXXX XXXX {$26000.00} XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts was open fraudulently. Heres my police report to go with my ftc report to have theses accounts removed or blocked.