davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 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 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have requested this information to be taken off of my credit since its from 2013! Its more than 7 years old but keeps reappearing and updating on my credit and damaging my current profile.
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/2019 the bank transfer money from my personal account to my business and the amount of XXXX to cover overdraft fees from a claim that they are denied. And the representative said they was unable to transfer the money back On XX/XX/2019 I me transfer some money the amount of XXXX from my personal account to my business account. 
Accidentally I called the bank and spoke with one of the representative and they said the was unable to return the money. Also on XX/XX/2019 the amount XXXX
Consumer complaint received 2023-05-12
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)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

There are several accounts that are reporting incorrect status information. I was never late on my XXXX - 30 days in 2019 on XXXX, Experian, and XXXX. 

I was never 30 or 60 days late with XXXX XXXX on XXXX and Experian. 

There are unauthorized inquiries reporting on my credit report : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (MO)

I had put some money into the SoFi banking app. I had some money in there for a few weeks and had been seeing their investing thing so I took about XXXX  % from what was in my SoFi checking account balance and placed it into some stocks on the SoFi app. Then within XXXX week SoFi froze every account on my SoFi app/account. My SoFi checking, savings, investing, etc. was froze. I called the company for more information the first time and they told me they were working on closing the account and when the account was closed they would transfer all the assets back to the linked bank or they would send a check. It came across my mind again and I checked my app and still. same thing. I called the company against after XXXX months since the first time I called and they told me the exact same thing. They were working on closing the account and they couldnt give me a timeframe in which it would be closed. I then asked if they could schedule a follow up with me when they did have a timeframe in which the account would be closed and they said they didnt know if they would be able to schedule a follow up with a timeframe.
Consumer complaint received 2020-02-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit, Inc (FL)

On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. When I contacted VW Credit they advised me that because I was paying a partial payment versus the full payment placed my car in repossess status. I have paid this company {$200.00} every 2 weeks since XX/XX/XXXX when I purchased as a new vehicle. This company has harassed me so bad I had to find a lawyer to assist me with this case. I just want this off of my credit.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019, I made a cash deposit, in the amount of {$5000.00}, inside the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX with the only bank teller that was on duty at the time. I deposited the {$5000.00} cash into my checking account. I live in Florida but was in Texas on vacation. When I returned home to Florida, I realized the {$5000.00} deposit did not reflect in my checking account. I immediately contacted Chase Bank and they were not able to find any record of my deposit! They did their own internal investigation which uncovered nothing. I filed a police report with the local police department in Texas ( XXXX County Sheriff ). The police investigation came to an impasse when they subpoenaed the surveillance video from Chase Bank and Chase Bank said they did not have any video to produce. Now, the investigation is going to be closed because they could not get the video or any other evidence from Chase. I am so frustrated because my cash deposit was lost and there is no record of it. This has been so hard on me and my family. Any help with this would be greatly appreciated.
Consumer complaint received 2022-09-13
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)

I have previously tried twice to dispute an fraudulent account from my credit report. I submit my disputes on XX/XX/2022. The company responded saying ( the account verified ) with no proof of my signature. This account was open without consent and it needs to be removed from my credit report. 
These companies are not following the law according to Fair Credit Reporting Act ( FCRA ). USC code 1681 ( A ) states credit reporting agencies must conduct reasonable investigation when a consumer myself submit a dispute and delete information if the information is 100 % accurate. 

Account : XXXX XXXX XXXX 
Account : XXXX Transunion - account verified XXXX  - account verified The ( FCRA ) federal fair credit reporting act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Consumer complaint received 2020-02-28
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. (CA)

I asked XXXX to remove the reporting of my 10 year old bankruptcy due to the length of time they have been reporting it - 10 years! 
Instead, they reinvestigated the accuracy of the bankruptcy which I am NOT disputing! 
I asked that they remove it because this reporting stays on your report for 7 years or more AT THE DISCRETION OF THE REPORTING AGENCY! The information is accurate. I am not disputing that. I am asking them to remove it based on length of time that has passed! They are allowed to remove this and are either ignoring me or choosing not to remove it by their own choice as it is in their purview to remove it any time between 7 and 10 years. Upon my request, they should remove it as it is 10 years ago! If they are choosing not to, they are being discriminatory and leaving it on because they dont feel like removing it! 10 years! XX/XX/2010! Please remove this OUTDATED report!
Consumer complaint received 2019-12-04
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. (MD)

I have sent out Dispute letter of deletion in accordance with Fair Credit Reporting Act 611 to Transunion which they have not responded at all, or even sent me any of the requested information on 7 Different Fraudulent inquires on my credit report
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown information on my credit reports.It has been 60 days and I have not received and type of response from the credit bureaus. I feel as if Im being taken advantage of and my disputes are being ignored by the credit agencies. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this time is has currently been over 60 days and these items should be immediately removed and deleted promptly per section 611 ( a ). I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused by this matter. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

XXXX XXXX, and Equifax received an Identity Theft Affidavit from me and refuses to remove the account. It was not blocked in era and if they believe it was Id like a senior member of their organization to sign an affidavit under the penalty of perjury stating this. They continue to play games and responded to my request asking for information already presented to them.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Walmart switched to Capital One for their credit card in the last year. All existing customers of their previous credit card we transferred to the new Capital One credit card. I activated the card per the instructions and made a purchase. 

Upon wishing to make a payment and setup the online access I'm being asked for my mobile number verification. I do not wish to provide them with my mobile number. Upon calling customer service I was told they have no other way of doing verification. This is not true. I shop with other merchant credit cards such as XXXX regularly and they do not force customers to verify their mobile number. 

Moreover, as a condition of being included in the 'rewards ' program. I am being forced to download the Walmart app  and use it as a method of payment. While this is obviously optional, it speaks to the merchants efforts to force the end customer to disclose private information as per their TOS for the credit card and mobile app. A customer 's mobile number should not be a condition of service and is completely dishonest and fraudulent to imply that this is the only verification method. I'm now left with no other recourse other than to close the account and forfeit any rewards I earned for not wishing to disclose my mobile number. 

Capital One is being dishonest this is not about consumer security, this is about data mining and tracking users personal informaton.
Consumer complaint received 2019-12-04
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. (FL)

I have contacted all 3 credit bureaus about a fraudulent item on my credit report and submitted a letter with a police report attached and asked them to remove the fraudulent account that I discovered. It is now more than 6 weeks later and none of the credit bureaus have done what they are required to do so per the FCRA. As a matter of fact XXXX  states that based on their " investigation '' the item remains unchanged. which in fact means that they have done none of their fiduciary duties and removed this fraudulent item on lay report. Clearly no investigation was done, as they are required to do so by the FCRA, and clearly they are not following the laws of the FCRA. 

A copy of the fraudulent account is attached with XXXX XXXX comments that " after investigation, the item remained unchanged and that this meets the FCRA ''
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have contacted all 3 credit bureaus about a fraudulent item on my credit report and submitted a letter with a police report attached and asked them to remove the fraudulent account that I discovered. It is now more than 6 weeks later and none of the credit bureaus have done what they are required to do so per the FCRA. As a matter of fact Experian states that based on their " investigation '' the item remains unchanged. which in fact means that they have done none of their fiduciary duties and removed this fraudulent item on lay report. Clearly no investigation was done, as they are required to do so by the FCRA, and clearly they are not following the laws of the FCRA. 

A copy of the fraudulent account is attached with Experian 's comments that " after investigation, the item remained unchanged and that this meets the FCRA ''
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

i have a credit card with Santander Bank. on XX/XX/2020 they changed the limit on my card from {$5000.00} to {$600.00}. when i contacted them to inquire why the sudden and tremendous drop, they said an automatic drop had happened because of my credit score.  however, my credit score on that date was artificially low because of 2 factors : the account had a balance of {$5000.00} that had been paid in full on XX/XX/2020, a payment which has still not been reported to the various bureaus despite the last update being sent on XX/XX/2020. my understanding is that the usual process is for the lenders to send out updates with the latest statements ; there was a statement issued on XX/XX/2020 which showed i had a {$530.00} balance out of a {$5000.00} limit. additionally, the company they used for my score ( XXXX ) has an erroneous account which i started a dispute about on XX/XX/2020. i learned about it on XX/XX/2020, and disputed it to XXXX, and they removed it on XX/XX/2020, and for some reason i didn't immediately realize i had to dispute the account with all three credit score bureaus. 

when i contacted them about it, they said that although they could see that i had paid the account in full, they were using the credit info from XXXX in their decision to lower my limit, despite them being 90 % of my credit score. in other words they could tell my balance was less than 10 % of my limit, but decided to lower my limit because the credit bureau said i was using 100 % of my balance, because they had failed to report to said bureau that my balance had significantly changed. 

when i asked if they could reverse the decision, they said that i would have to reapply for a larger credit limit, and that they would have to do a hard credit pull to find out what my credit score is, which would probably result in no change as they have still not reported that i paid off the card. 

i use this card for most day to day purchases and for paying off bills. yes i understand the balance was high, but i had paid it off, and now it seems to me that i have been punished for doing so, as if i had just left the debt on the card they probably wouldn't have lowered the limit so much, and i would still have the {$5000.00} that i had used to pay off the debt. essentially i was paying it off with the idea that i could use it as a backup for the next few months, whereas i could have paid off around XXXX a month for the next few months and still felt comfortable about the amount of purchasing power i have.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (OH)

My mortgage was paid off XX/XX/XXXX. I had automatic payments set up through my credit union and forgot to cancel them after the loan was paid off. XX/XX/XXXX my credit union submitted my regular payment ( XXXX ) to DiTech. When I realized what had happen I contacted DiTech by phone explaining my mistake and please refund the payment. They told me it would be straighten out quickly. I had not received the refund by end of XX/XX/XXXX I contacted them in writing and received a letter saying the matter was being investigated. I replied there was nothing to investigate it was a simple overpayment and return my money. I received another letter saying I would receive their answer in XX/XX/XXXX ... As of now I have not received my refund, I don't see any good faith on their part of returning this money.
Consumer complaint received 2019-01-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

Applied for income based renewal within the time frame giving them at least 2 weeks to process it before it returned to the whole amount. I have it in automatic payments and this last payment they took the entire amount of {$670.00}. This caused an overdraft of my account and they will not return the payment.
Consumer complaint received 2024-04-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/24 : payment made via debit card for carecredit acct of {$20.00} which hasnt shown up in my history nor balance even though organization has been paid XX/XX/24 : billing dept rep n superior both were unprofessional rude and only resolution was " oh just wait n see ''
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX I went online to access my checking account. I noticed that my balance was extremely low. I then saw that on XX/XX/XXXX two fraudulent checks had been cashed -- one for {$9300.00} and the other {$8900.00}. A substantial amount of money. I immediately contacted my bank, froze the account, and requested an investigation. I then went to a branch, told the very sympathetic and helpful employee my tale, and opened a new checking account. I was told that in most cases the investigation takes 14 business days.

It is now XX/XX/XXXX. I have filled out an affidavit which did not arrive at my home until XX/XX/XXXX or XXXX. It was dated XX/XX/XXXX. I had it notarized and mailed it. I was told claims received it on XX/XX/XXXX -- over two months after my initial call to the bank. Needless to say, I'm frustrated.