davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (CA)

I hope this message finds you well. I am writing to express my deep dissatisfaction with the ongoing issues regarding the correction of late open accounts. Despite multiple attempts to rectify the situation, it appears that the problem persists, causing significant inconvenience and frustration on my end. 

As a valued customer, I have continuously cooperated and provided all necessary information and documentation as requested to resolve these matters promptly. However, the recurrence of late open accounts reflects poorly on your organization 's efficiency and commitment to customer satisfaction. 

This complaint serves as my fourth and final attempt to seek redressal for the persistent issue of late open accounts. I expect immediate attention and a comprehensive solution to rectify the discrepancies without further delay. 

In light of the above, I kindly request the following actions to be taken promptly : Conduct a thorough investigation into the root cause of the recurring late open accounts. 
Provide a detailed explanation for the delays and discrepancies encountered. 
Implement corrective measures to ensure such issues do not recur in the future. 
Offer appropriate compensation or concessions for the inconvenience caused. With this, I am asking for your assistance to correct these accounts in my credit file : 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 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

The credit bureau is showing a balance of {$54.00} with XXXX XXXX  XXXX XXXX. I have a XXXX  balance with XXXX XXXX XXXX XXXX. They are not reflecting my payment that was made on XX/XX/20 for XXXX. The XXXX  credit bureau is reporting a XXXX  balance for this creditor.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (KY)

We opened a GM Financial Lease in XXXX and the vehicle was totaled. GM Financial reported a {$40.00} fee as a late payment in XX/XX/XXXX dropping mine and my wifes credit scores from over a 800 to XXXX. We discussed the issue with GM Financial and they did correct the bureau that we have never had a late payment and told us this was a error internally. The {$40.00} was never outstanding. My bureau is still showing late remarks on that account which us keeping my score at XXXX currently. We are currently purchasing a home and this is keeping us from getting the interest rates we deserve. I have a copy of my credit bureau showing the late remarks that was pulled in XX/XX/XXXX.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$300.00} XXXX {$300.00} XXXX {$150.00} XXXX XXXX {$110000.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} XXXX   XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$5800.00}
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency TransUnion, XXXX  and XXXX. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached letters Ive written and submitted to all three consumer reporting agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2023-05-27
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. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXE Account Number : XXXX : is {$220.00} XXXX XXXX XXXX Account Number : XXXX. 
XXXX  : is {$1900.00} XXXX XXXX XXXX Account Number : XXXX. 
XXXX  : {$4400.00} XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I had previously been an Experian credit monitoring customer but wanted to cancel my account. In the app where payments are made and the account is initiated you cant cancel the account. They confuse consumers by giving the option to downgrade to a lower price account or a free account. People will likely take the free account thinking its equivalent to cancelling, but its not. If you actually want to cancel your account you will have to find the phone number to call, sit through unusually high call volumes,. And answer the same personal questions multiple times to a computer and a person and then sit on hold again. The whole process took a half hour and is clearly designed to be a pain in the XXXX. They make it difficult to cancel to increase their sales and trick you into keeping your data with them. 

If Unfair and Deceptive Practices apply to Experian, this is clearly one. The executives, product managers and every decision maker that thinks this is ethical and approved this business decision should be banned from financial services work. They have no sense of honor or duty for fellow humans. Shameful
Consumer complaint received 2020-04-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I have a home Equity line of credit which has been in effect for several years always in good standing. I have very good to excellent credit. On XX/XX/2020, Rushmore loan management sent me a letter stating that upon review of my fico score, they determined that I did not meet their lending criteria. Therefore, they were suspending my draw privileges on my home equity line. Being that my credit and fico score have always been very good, I called Rushmore for an explanation. I spoke with a woman named XXXX in the Customer relations department. After checking my account, she informed me that Rushmore has suspended many Heloc accounts because of Covid-19. When I asked why my letter stated something completely different, I was told that the real reason for the suspension was Covid-19. There was no real basis to suspend my access to this, credit, based on my credit history and the letter that I received was fraudulent and deliberately deceptive.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions Bank has brutally charged me overdraft fees and there is no retraction in place. All except to hide my bank statements and trying to remove any information related to my previous accounts when I did nothing wrong. Regions also sent to collections.i I am victim aggressive identity theft. At one time Regions had the incorrect address and I requested the address to be changed but somehow it was immediately changed. Having an apartment number as if to deceive and commit fraud.
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00}
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2020-06-14
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. (NE)

The credit bureau is showing a balance of {$54.00} with The XXXX  XXXX XXXX. I have a XXXX  balance with XXXX XXXX XXXX XXXX. They are not reflecting my payment that was made on XX/XX/20 for XXXX. The XXXX  credit bureau is reporting a XXXX  balance for this creditor.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (MD)

PNC has changed their accounts so that they do not link to accounts such as XXXX. I would like to fund an investment account via XXXX but PNC will not allow me to do so. They use to but changed for " security '' purposes.
Consumer complaint received 2020-06-14
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. (NE)

The credit bureau is reporting a balance of {$390.00} with XXXX XXXX XXXX. However, I have a XXXX  balance. They are not reporting my payment of {$98.00} that I made with my debit card on XX/XX/20 that has already posted to my account. They are not reporting my payment of {$300.00} that I made with my debit card on XX/XX/20, that has already posted to my account.
Consumer complaint received 2020-04-14
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: U.S. BANCORP (IL)

US BANK HOME MORTGAGE Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX ( XXXX ) XXXX XXXX XXXX   Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA ( XXXX ) XXXX
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My Bank of America personal checking and savings account were closed XX/XX/XXXX. I was informed that there was a balance due on my account of {$79.00} and upon remitting payment, I would be able to open another account. I completed payment on XX/XX/XXXX. Once again, at this time, I was told that I would be able to go into a branch and open an account. when I received my consumer report from XXXX XXXX  to verify this had been removed, I see there is a statement that says Suspected Fraud Activity. I had previously disputed this information in XXXX and forgot about it. I never recieved a copy of the dispute or the results as required by law. When I called bank of america to get this situated, I receive 3 different stories from the Recovery Department, Risk Department, & Fraud Department. No suspicious activity has ever been brought to my attention. How is it that the company can report, " suspected fraud activity. '' I still have open and active accounts with Bank of America. If there was suspected fraud activity, why would my accounts stay open. I need this removed from my consumer file.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have sent several emails to Bank Of America CEO about an old credit card account. I was told they were unable to locate account under my name and social security number. I was told to file a dispute. after filing an dispute several times the accounts comes back stating it credit card account belongs to me. the problem I have with this is if I call BOA they are unable to locate account. 
I have tried several time to get this account off my credit with no luck. 
After sending several emails to CEO someone calls me stating they located account once I ask how much I owe I was told I would get something in the mail. l never receive anything
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION (GA)

StartingXX/XX/XXXX I started noticing unfamiliar patterns in the handling of my account from not getting emails notifications etc. I addressed this on multiple occasions inside the Alliant Credit Union app, many phone callls placed. On XX/XX/2021 my card was compromised brutally by a theft process called skimming where your information or card is cloned. I thought I dropped my card and someone picked it up but thats not the case. I disputed some unauthorized activity to Alliant Credit Union on many occasions and I was denied every last credible request to get my money and also was told there was no signs of illegal activity. I knew I wasnt fabricating this situation but I was at the mercy of the bank taking sides with the criminal activity I found out later. I was locked out of emails months at a time. I am filing this complaint because I wanted documented how I was robbed by XXXX XXXX gulping money from Alliant Credit Union account. I needed someone at Alliant Credit Union to examine the facts and not MY RACE to decide how I would be reprimanded instead of the perpetrators. Not to mention my account was closed. I am just now able last month being to establish solid banking relationships again and I will not allow anyone to intimidate again if my claims are fact. I would like to share the lack of care by Alliant Credit disregarding me as I had an investigation with the securities and exchange commission regarding my assets and XXXX XXXX was the subject. XXXX XXXX WAS SUCCESSFULLY ATTACHED AND APPROVED AS A EXTERNAL BANK CONNECTED TO ALLIANT CREDIT UNION. I dont know who XXXX  XXXX IS. I have provided proof of the fraudulent overlooked and lack of care by Alliant not catching this but they definitely penalized the innocent customer.please see attached.