davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I did not authorize Fifth Third Bank to withdraw any funds. I submit a one time payment each and every month on the first of {$530.00}. Fifth Third, without my authorization, withdrew {$900.00} on XX/XX/2022, XX/XX/2022, and on XX/XX/2022. When I returned to the country and discovered the withdrawals, I notified Fifth Third and they admitted the error and on XX/XX/2022, they credited {$900.00} from the erroneous XX/XX/2022 charge. 

Fifth Third did not have any authority to withdrawal any funds from my account and did so without my consent or authorization. There are still two payments of {$900.00} that has not been returned. 

I did not authorize these withdrawals which has resulted in a financial distress situation.
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the FCRA. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Convergent accounts has violated my rights, 15 USC 1681 section 602 A states I have privacy rights, 15 USC 681 section 604 A also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 s -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 information is inaccurate, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (GA)

In accordance to the Fair Credit Reporting Act Reliant Cap the following instutions : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiry listed below. However, this inquiry was not authorized by me. Therefore, I'm sending this complaint to dispute this inquiry and have it removed from my credit report. 
XXXX XX/XX/2022
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I received a letter in the mail from the current holder of my home mortgage which is Chase Bank. In the letter it showed my current rate of 3.375 and on the top of the letter it said " You could lower your rate to 2.641 '' My thought was that I could potentially lower my mortgage payments so I was wondering how much it would save me. Apparently when I asked them how much it could save me there was a hard inquire done by them on my credit report and I know this because I received an email from XXXX saying that a request had been made. 

Nowhere on the piece of mail they had sent me ( which I never requested ) did it state that they would pull a credit report on me by simply asking a question which they initiated and in doing so this hard inquiry would effect my credit rating. 

They sent me this information which I never requested. It was proactive by them not me. Had I known that this call would have an impact on my credit rating I never would asked them to pursue looking into how much it would save me. 

This information should be made clearly to the customer in the original piece of mail they had sent me that they would be doing a hard inquiry and that inquiry would impact my credit rating. 

I see this as an unfair move on their part which may impact me negatively with the credit bureaus going forward.
Consumer complaint received 2024-03-22
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. (NH)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (FL)

I have a XXXX XXXX XXXXXXXX XXXX  acct # XXXX which I voluntarily CLOSED which acct is listed as CLOSED on its web page but my acct is still inaccurately reported as OPEN on my XXXX, Equifax and XXXX XXXX credit reports despite my CFPB disputes. In fact, on XX/XX/2023, XXXX sent me a report stating XXXX XXXX XXXXXXXX XXXXOutcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. My account is CLOSED and continual reporting of my account inaccurately as OPEN and false certifications constitutes willful violations of the FCRA and Metro 2 compliance protocols subjecting violators to {$1000.00} statutory damages per willful violation. Kindly reinvestigate and either promptly report my account as CLOSED at consumers request or permanently delete my account and block access to the violating furnisher. The FCRA and Metro 2 protocols require prompt and immediate mid cycle reporting an account as Closed when requested by the consumer by phone or otherwise. False certifications and sloppy investigations shall not be tolerated. Similarly, as if XX/XX/2023, my Equifax and XXXX XXXX reports continue to inaccurately report my account as OPEN.
Consumer complaint received 2023-08-06
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later 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 ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 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 by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

see ftc FCRA violations : XXXX XXXXS XXXX XXXX  Original creditor : XXXX XXXX {$410.00} Balance updated XX/XX/2021 2021
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting Act this creditor Capital one has violated my rights under 15 USC 1681 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-27
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I was offered a Covid 19 forbearance on my mortgage payments for 6 months. They informed me that the 6 months of payments would be attached to the end of my loan. They stated that at the end of the 6 months I would receive documents in the mail to sign and have notarized. When the end of the 6 months approached I called them to make sure everything was in order. They assured me that everything was fine and that they would be mailing the documents shortly. After a week I called them again as I had not received the documents. They informed me that they were behind and not to worry, they would get them out as soon as they could. I was also told not to resume any mortgage payments. After a couple of more weeks passed I called them again. They informed me that the documents were sent out weeks ago. I informed them that they never arrived. I was told that they were having problems with the USPS not delivering documents. They told me that they would resend the documents and email them to me to be assured that I would receive them. A couple more weeks go by and I call them again. This time I'm informed that the documents were never sent or emailed to me as they weren't ready. At this time they also inform me that adding the 6 months to the end of the mortgage is not an option. I either have to make a balloon payment at the end of the loan or accept a new 40 year mortgage. I informed them that this is not what I was told. They also informed me not to make mortgage payments as it would throw off their math. I asked to speak to a supervisor. They informed me that it's not possible to speak to a supervisor. I went ahead and resumed making mortgage payments. I want all forbearance actions ended immediately so that I can refinance with a different lender as I've had enough of the fraudulent actions taken by the lender. 
It's an 855 phone number so every time I call I get a different person. I've actually spoken to people in different countries.
Consumer complaint received 2023-03-11
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. (TX)

This account in question shows on my credit report twice with two different names 1. It's shows as XXXX account # XXXX it shows up close 2. XXXX has this same account open XXXX both accounts has a balance of {$460.00} and FCRA states a closed account shouldnt have a balance attached to it also Experian has this account closed and XXXX has this same account open witch is a inaccurate and should be removed the FCRA states that all inaccurate accounts should be removed
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have prepaid my loan account completely but the credit report is still showing that I have pending loan amount for that account which is inaccurate and affected my ability to access a new loan from the market. The amount shown as debt is also inaccurate and the number of accounts open are also inaccurate. I was denied a personal loan despite having a credit score of XXXX and XXXX late payment. My income is also way more than the debt on record. Kindly help. 


XXXX XXXX : Original Loan : {$4000.00} prepaid in full ( See the attachment ) Total number of Account open : XXXX Shown on credit report : XXXX Total debt shown by Experian : {$7700.00} this includes prepaid XXXX personal loan of {$1000.00} Actual credit card balances : {$4600.00}
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (MI)

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

As a federally protected consumer I am opting out of XXXX XXXX and Equifax reporting my nonpublic information. XXXX XXXX nor Equifax has my consent. XXXX XXXX agreed not to release my non public information unless it was to the reporting agency. Federal law only recognizes the Consumer Financial Protection Bureau as the ONLY credit reporting agency and the credit bureau does NOT furnish consumer reports.
Consumer complaint received 2023-03-09
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. (MD)

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 2023-02-09
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-27
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. (FL)

The currently reported XXXX XXXX  with account number displayed on my XXXX XXXX report, shown as XXXX. the information I not REPORTED on Experian in this reported claim on my Experian report, and alleged as on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a foibleness from the mandatorily utilized reporting industrys own Metro 2 Data- filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements . With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury.
Consumer complaint received 2023-01-13
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. (GA)

XXXX XXXX XXXX is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted by Experian from the credit report of XXXX XXXX due to identity theft. XXXX was deleted from the credit report of XXXX XXXX about the dates of XXXX XXXX XXXX2022. 

Attached is XXXX XXXX XXXX documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Morning I recently opened an account at Schwab. Expierance horrible.One day after my card arrived my account got restricted. I was not notified by Schwab or even recieved a Email to explain why. Upon my own investigation i found that the account was restricted after numerous chats and calls and money spend on the phone trying to get through to get help. 
I finally managed to get through and was told its with verifications. Its been a few days and a few phone calls later. Still no luck. 

I am hoping someone out there can assist me in getting my money out of Schwab and closing all accounts/connections with them. Its an absolute pain to try and get hold of a representative. 

I hope that their management looks into the onboarding process of this bank and their processes. I am sure there are other unhappy clients out there. 

Hope to get some resolution. 
Case referance nr : XXXX
Consumer complaint received 2024-03-22
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)

This is XXXX XXXX XXXX I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX