davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (PA)

Company - Bask Bank Toll free : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I made 2 attempts to opening a ( mileage ) Savings account at XXXX  on XX/XX/XXXX and received a Based on the information provided, we can not open a XXXX XXXX account for you at this time. XXXX XXXX - XXXX. Following that I ran a credit check and checksystems report to confirm there are no issues. I have an excellent credit score. I called up XXXX XXXX and asked them to provide a reason for the rejection or an adverse action notice with the agency information. I was told that they would not provide that and that they did not do any agency or credit check and hence are not required to provide any reason for decision or adverse action. Since the only other pertinent information is name and age I have reason to believe that the decision is discriminatory. I have reviewed the account qualification requirements on the XXXX & XXXX and can confirm that I meet them. Besides that, I offered to provide any supporting documentation including drivers license, address proof or tax filing proof and they declined that. My wife also applied yesterday XX/XX/XXXX and received the same message. We have reason to believe there is either a system issue or a discrimination ongoing in this scenario and hence filing an official complaint.
Consumer complaint received 2022-09-16
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. (MO)

On or around XX/XX/2022 I reviewed my consumer report and noticed incorrect accounts, hard inquiries, and personal information that is being furnished without my consent. I have contacted XXXX, Experian, and XXXX several times about this matter and my concerns. XXXX, Experian, and XXXX have continued to violate my rights under the FCRA and have committed identity theft. The three credit agencies have caused me personal and actual damages because of the incorrect information they have been reporting. I never gave the credit agencies any verbal or written consent to report anything on my consumer report. I have attached the following letters to resolve this matter. Furthermore, I demand to opt out of any arbitration clause. 
1. Personal Information Update Letter. 
2. Permissible Purpose Letter.

3. Opt Out of Arbitration Letter. 
4. Debt Validation Letter.

5. Concerning Late Payments & Hard Inquiries Letter.

6. Proof of Information Furnishing Damages. 
7. Experian Communications. 
I have enclosed a copy of my ID and Utility Bill showing proof of address, so the credit agencies CAN NOT say or try to pause this investigation. To conclude the reporting agencies are reporting furnished " charge-offs '' which is a direct violation of Tax law pursuant Title 26 USC. A charge off is considered " income '' which would be considered incorrect furnished information. 1099A has been reported to the IRS for the following companies I " am disputing for audit. IRS Publication 4681 - canceled debts, foreclosures, repossessions, and abandonments.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I was computer hacked. The hackers took {$5000.00} from my personal checking in the form of a purchase charge from a company I've never heard of. The same day Wells Fargo authorized a {$1000.00} XXXX transfer to someone I have never heard of. WF refunded me the {$5000.00} as they could apparently verify that this was an illegal transfer. However, they refuse to return my remaining {$1000.00}. The required me to fax any documents to support my claim of being hacked, so I spent {$12.00} at XXXX faxing copies of my XXXX, XXXX, XXXX... etc accounts that were shut down and needed to be reset. Not only did they deny my appeal, but they never contacted me to ask what happened or tracked down who the money went to. They simply don't care. I work very hard for my money and apparently Wells Fargo does not. This was 100 % fraud and they refuse to resolve the issue. There is a hole in their XXXX system and in their investigating practices. I am Outraged!
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (IL)

I just recently opened an account with XXXX XXXX with the intent to trade stocks on a small scale. In attempting to link my account at PNC bank I was given a message that says PNC has restricted the linking of my account to this company. I see no reason for this restriction. I am serious about what I do from a business perspective so please investigate this matter and relay the outcome as soon as possible. Thank you.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (FL)

I can not verify my Pnc bank acct using the XXXX browser through XXXX which is causing me not to get my crypto earnings which is anywhere from $ XXXX {$200.00} a month. Please allow XXXX  to verify from XXXX it is hands down the best browser. I also can not use uphold with my debit nor routing and account number which is the virtual wallet used with XXXX
Consumer complaint received 2022-11-06
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. (PA)

In accordance with the fair credit reporting act 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 section : it also states a consumer reporting agency can not furnish a account without my written instructions. AccountsXXXXXXXX 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 2022-11-06
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. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX  XXXX  XXXX  


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS

XXXX XXXX XXXX  
MY EMAIL ADDRESS IS

XXXXXXXX  

MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

I have refinanced my mortgage from XXXX  XXXX to Loan Depot in XX/XX/2020. Closing date was XX/XX/2020, Disbursement Date was XX/XX/2020 and my mortgage with LoanDepot went to FUNDED status on XX/XX/2020 but my old lender XXXX XXXX received the funds on XX/XX/2020. My previous mortgage got closed on XX/XX/2020. I ended up paying for 2 loans for >25 days. During this period, I followed up multiple times with loan officer XXXX XXXX, calls were never picked and voice message were never responded but to my emails, i got few email responses back during this 25 days period ( from XX/XX/2020 to XX/XX/2020 ). Response i  got from XXXX XXXX was " The title company is working on the disbursement with our funding department '' and few days later " it has funded on our end we are just waiting for the title company to make the disbursements '' and the other " My manager and director have escalate and confirmed that the disbursement from title will take please tomorrow and no later ''. I followed up with closing attorneys ( XXXX XXXX XXXX XXXX XXXX XXXX ) during this period. Response from Closing attorney was that they are yet to receive Funding papers from Title company ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) ) which are not customer facing and closing attorney suggested that i need to follow up with my loan officer. I was also responded in email by XXXX XXXX that " Mr. XXXX and we would cover all charges due to delays with funding ''. But as per final settlement statement and other documents, I am paying double payments, one to XXXX XXXX and other to Loan Depot for this period ( XX/XX/2020 to XX/XX/2020 ). I have reached out multiple times to Loan Depot Customer service and Loan Depot Servicing departments as well. Loan Depot Servicing department redirected me to Loan Depot Origination department where as Loan Depot Customer service has not resolved my issue and i am waiting on answers from them
Consumer complaint received 2023-06-27
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. (DC)

Apartment was looted cards taken used fraudently beyond account limits bank XXXX XXXX should not have allowed fraudulent charges I submitted DC police report XXXX on the looting and fraudulent transactions. XXXX XXXX XXXX repeatedly allowed fraudulent transactions beyond account limits and XXXX XXXX XXXX has not accepted responsibility. 
I had XXXX secured credit card with no overdraft no cash availability and XXXX XXXX XXXX allowed cash transactions all the way to almost XXXX in one month.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion has violated my federally protected rights. I sent a letter in the mail and havent received results which violates the FCRA and the unauthorized inquiries havent been removed..My Id is attached for identification purposes
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am submitting this complaint against HSBC Bank for closing my accounts for retaliation against me. 

In the past, I made complain against HSBC Bank for not resolving fraudulent purchases on my credit card, complaint number { XXXX }. HSBC never respond to that complaint, but go ahead closed all my accounts with them ending XXXX and XXXX. Stating that after reviewing my accounts they decided to end a relationship with me. I called and ask HSBC to give a reason why they decided to closed my accounts, but they never give me any answer. 

In my opinion, HSBC closed my accounts for retaliation and violation of the fair credit rules. 

I am requesting this department to take appropriate action against HSBC Bank to protect my rights. And also request HSBC Bank to bring all the balance on those accounts into XXXX because they have violated the terms of those accounts.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Consumer Financial Protection Bureau ( CFPB ), please compel CRA Experian to perform their duties according to FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 Experian Legal Department Address City, State, Zip Code Dear Sir/Madam, I, XXXX XXXX , am writing to dispute the accuracy and completeness of information reported by your agency regarding my account with XXXX  XXXX, account number XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby request a thorough reinvestigation of the aforementioned account to ensure all information is reported accurately and completely. 


Moreover, I invoke the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ), 281 SW 715,719, to highlight that I have not been furnished with any proof of the alleged debt associated with this account. This lack of evidence leads me to presume that no such debt exists. Therefore, I demand the deletion of this account from my credit report as its accuracy and completeness can not be verified, and there appears to be no substantiating evidence of the alleged debt. 

Please ensure that this reinvestigation is completed as promptly as possible, within the 30-day period as mandated by the FCRA. I expect that all aspects of the account with XXXX XXXX will be thoroughly reviewed and that any inaccuracies will be corrected immediately. Should this account not be verified in its entirety or if evidence of the alleged debt can not be provided, I demand its removal from my credit report to accurately reflect my credit history. 

Enclosed are copies of documents supporting my dispute. I trust that you will handle this matter with the urgency and seriousness it deserves. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Enclosures : Identity Verification Documents, if applicable ]
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX been a mayor nightmare XXXX unable to buy my car because I have inquiries XXXX XXXX XXXX XXXX, I have accounts that I was authorize user and was not aware of and I have asked numerous times for them to be removes. 

XXXX- not my problem belongs to company take me OFF XXXX credit authorize user XXXX XXXX all of them Authorize user XXXX XXXX Authorize user XXXX authorized user all of them the main account holder has gone into credit payment issue and I'm being penalized I have requested these accounts off my credit 8 times this year alone
Consumer complaint received 2020-06-16
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. (LA)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. XXXX XXXX XXXX XXXX XXXX does not belong to me.
Consumer complaint received 2023-05-08
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-27
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: RSI Enterprises, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.