davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Collections & Recoveries, Inc. (LA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Monday XX/XX/2021 multiple charges were made on my checking account totaling {$900.00} dollars. I called TD bank to report fraud I was told I had to wait 24 hours before I could report. I called back on XX/XX/2021 and the phone representative said they couldn't help me. I went to the bank itself on the XXXX, to finally report in person and receive a new card. Still haven't gotten my money back and Td is provided me with no help
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

Loan Depot # XXXX was over paid and they returned the over payment, Then this month XX/XX/2021 I paid XXXX to Loan Depot with Confirmation # XXXX have been getting calls today stating that the loan has not been paid. I have enough problems with a XXXX XXXX, XXXX XXXX XXXX. 
Even my loan statement does not look right, it is a XXXX XXXX with a due date of the XXXX of XXXX, should it not be XX/XX/XXXX?
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you delete these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureau stated that this account was properly re-investigated. Yet, they refused to provide the full disclosure that I requested per my rights via the Fair Credit Reporting Act. They sent another vague, verified letter, and supervisors refused to disclose the info used in their re-investigation. How was a proper investigation conducted when this random charged-off account now reflects an altered open/active status XXXX 2022? ( confirmed with multiple Transunion special handling supervisors ). TransUnion removed the " Date Closed '' section from the recent verified results letter. I have all proofs. This is grounds for removal as they violated my rights according to : 15 U.S.C 1681 A - definition ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 804 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

No payments were ever made to this creditor in accordance with their reported charge off date. Closed charged-off accounts can not be re-opened. Bureaus and creditors can not use illegal tactics to negatively effect my score twice to intimidate me into validating a random debt with payment. XXXX and XXXX have deleted this erroneous account. Please have Transunion follow through with deletion.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Since XX/XX/2021, when I made the last transaction in my Coinbase account, I got the message : account in verification.

3 months have passed since that day and my account is not yet verified, I can not withdraw, add or move cryptos. I contacted the company and they told me that it would be solved shortly and not to send that claim again. Since the company has not solved it for me yet, I have looked at possible solutions online, they have not solved anything for me. until I get to this website thanks to a forum. I need a help now. I need to move those cryptos.

I hope you can solve it. Thanks greetings.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (OK)

I called to check my balance and my money was not there so I checked the last XXXX transactions and found out that I had been hacked so I called ( direct express ) the card company for my social security they found the same thing I did they told me they would send me a form to fill out and that I had 10 days from that day to send it back I received it 12 day later I explained I got it 2 days past the due date and mailed it back with a showing of post date that was 33 days ago I have tried to call them and they do is transfer me around and around and put me on hold for hours I have gotten no answers and none of my money back please help
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I was scammed by a guy on XXXX offering financial assistance. He said all I needed was to have an active bank account and the money would be deposited. This was to be considered a donation from his organization. I would only be required to give him half of the money deposited. I figured that should be OK since I would receive the money first and then give him half instead of the common red flag of sending out money first. Totally unaware that he had in fact applied for a loan from my bank, in my name, until after I sent him the money. I NEVER requested this loan or signed off on it but it was given easily and freely without my knowledge, and what I thought was money being given to me was a scam for me to give money to the scammer that I don't have. What happened to the security aspect of identifying the person when transactions like this are done online, or even requiring 24 hours for deposit to be made. I was totally blindsided. I was not the person who took out this loan, I am the victim of identity theft and my bank/credit union has been defrauded as well as many others. I can not afford this loan and I refuse to accept responsibility for it since I didn't authorize this transaction or sign for it. The loan is for {$6000.00}. Upon making the police report I was made aware that this same guy has done this before and he's facing several felony charges. Even on it's face, the loan is of predatory lending, I would not have agreed to those terms given the percentage rate. I've been preparing my credit for a decent mortgage loan, not this, and my credit is in good standing. I don't need this stress. Please help!
Consumer complaint received 2021-10-21
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)

I am not here to argue, I am not here to defend myself, I am here to establish the fact that I am the original creditor, I am one of the " Persons '' mentioned in the Fifth Amendment that shall not be deprived of any significant property interests, property right, referring to inalienable or other rights without due process of the common law alluded to in the Declaration of Independence, for which it was held " a self-evident truth, that I am endowed by my God and possess inalienable rights '', rights that this body has no authority to Abrogate!

So, once again, under what authority does this body claim it has authority to exercise jurisdiction over a creditor? Since when is a creditor " the debtor ''? And why are they assuming authority over my time, my business, my interests, my property, my rights when it is well established that their authority prohibits them from subjugating a creditor? 

I don't have a contract with their credit reporting companies. I never authorized their credit reporting companies the authority to receive any information or to even furnish a report.

So their companies have violated the U.C.C. 2-106. Definitions : " Contract '' ; " Contract for sale '' ; " Sale '' ; " Present sale " ; " Conforming '' to Contract ; " Termination '' ; " Cancellation ''. Along with 15 U.S. Code 1692-Congressional findings and declaration of purpose.

Therefore all items listed in Exhibit B are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as they are damaging my character, credit worthiness and well being by falsely stating those non-compliant unverifiable accounts on my report. 
I have not received any confirmation on how they have verified the alleged accounts attached in Exhibit B and therefore request that they consider this a final notice to their office. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of any trying to rectify the subterfuge that they are reporting.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not here to argue, I am not here to defend myself, I am here to establish the fact that I am the original creditor, I am one of the " Persons '' mentioned in the Fifth Amendment that shall not be deprived of any significant property interests, property right, referring to inalienable or other rights without due process of the common law alluded to in the Declaration of Independence, for which it was held " a self-evident truth, that I am endowed by my God and possess inalienable rights '', rights that this body has no authority to Abrogate! 

So, once again, under what authority does this body claim it has authority to exercise jurisdiction over a creditor? Since when is a creditor " the debtor ''? And why are they assuming authority over my time, my business, my interests, my property, my rights when it is well established that their authority prohibits them from subjugating a creditor? 

I don't have a contract with their credit reporting companies. I never authorized their credit reporting companies the authority to receive any information or to even furnish a report. 

So their companies have violated the U.C.C. 2-106. Definitions : " Contract '' ; " Contract for sale '' ; " Sale '' ; " Present sale " ; " Conforming '' to Contract ; " Termination '' ; " Cancellation ''. Along with 15 U.S. Code 1692-Congressional findings and declaration of purpose.

Therefore all items listed in Exhibit B are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as they are damaging my character, credit worthiness and well being by falsely stating those non-compliant unverifiable accounts on my report. 

I have not received any confirmation on how they have verified the alleged accounts attached in Exhibit B and therefore request that they consider this a final notice to their office. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of any trying to rectify the subterfuge that they are reporting.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company BMG MONEY INC is currently showing 30 days late for the month of XX/XX/2020. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

BMG MONEY INC ***** Opened XXXX XXXX, 2020 Balance {$0.00} Late closed ( XXXX ) BMG MONEYXXXX Opened XXXX XXXX, 2020 Balance {$0.00} Late closed XXXX XXXX XXXX
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (MS)

I have two debts older than 7 years.This has automatically fallen off with the other credit reporting agencies. I have tried three times to resolve this with equifax and they refuse to remove the old debt. This causes a point spread of XXXX points lower with their credit reporting than the other agencies. That's a very significant hit and its because they are still including these accounts older than 7 years as part of my credit utilization.
Consumer complaint received 2022-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (GA)

Adverse action discrimination is against the law Consumer/natural person XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX GA XXXX ALLY BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : APP NR XXXX RE : APP NR XXXX RE : APP NR XXXX how are doing TO WHOSOEVER IT MAY CONCERN YOU BROKE THE LAW I am writing this communication in regard to an adverse actions after filing out a consumer credit transaction applications with XXXX of XXXX I was discriminated against in this transaction my rights have been violated by making an unlawful decision congress has made it clear and concise that that i the natural person can not be discriminated for exercise my right to extended credit matter what the situation is pursuant to federal laws for example 15 usc 1602 ( f ) the term credit means the right grand by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

My consumer credit card account was used and I did not receive ANY benefits from this transaction Pursuant to 15 usc 1602 ( p ) unauthorized use of my credit. the term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 



Pursuant to 15 usc 1691a I the consumer the natural person the applicant has in good faith excursed my right under this chapter. To extend credit.

Pursuant to 12 cfr 1002 Equal credit opportunity act ( Regulation B ) so an and so forth I got the proof that I was discriminated against by ALLY Bank and for that your now criminally liable for violating these laws With these discriminable action ALLY BANK is now involved in racketeering, fraud and swindling. and so, on I am willing to let this go if ALLY BANK do the right thing and reverse this decision and combine all offers made in one sum for a new property If not, I will pursuit forth lawful action. 

ALLY BANK has 20 days to remedy this action or I will proceed with forth LAWFUL action. 



NOTICE IS COMPLETE UPON RECEIPT I TRIED TO CALL GOT VOICE MAIL TWICE THANK YOU YOURS TRULY XXXX XXXX Looking forward for your speedy correspondence
Consumer complaint received 2021-10-21
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. (GA)

TransUnion Fraudulent Account XXXX XXXX XXXX  Account # XXXX Fraudulent Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXe XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-21
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. (TX)

On XX/XX/XXXX I received a letter from Experian stating they had verified an incorrect bankruptcy that is on my credit report and it will remain on my report. In the previous letter that I sent to them I requested for them to explain how they verify information. In the letter attached Experian states that they use a third party vendor named XXXX XXXX and also public records from the courts. 

On XX/XX/XXXX I received a letter from XXXX XXXX stating they had deleted the bankruptcy from my report after not verified. on XX/XX/XXXX I then forward the letter and another dispute letter to Experian requesting they remove the bankruptcy and they replied back with results via email stating the exact same thing ( they verified with XXXX XXXX ). 

On XX/XX/XXXX I received a letter from a clerk from a Texas US court in XXXX XXXX, Tx ( screenshot and letter is attached ) confirming they do not share any information to credit reporting agencies. I then sent another dispute letter to Experian including the letter from XXXX showing they removed it and the letter from the US Bankruptcy courts although Experian is saying they verified through them both. 

Experian is refusing to delete this unverifiable account on my credit report and it is causing so much damage on my ability to purchase a home. 

This is unverified account need to removed!
Consumer complaint received 2021-10-21
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. (IN)

Transunion is violating my consumer rights pursuant to the Fair Credit Reporting Act. I did not give permission for this account to appear on my credit file or did I validate it. Pursuant to Title 15 1681B, there must be Permissible Purpose for something to report to my credit file. I did not give written instruction for the account U.S. Bankruptcy Court to appear on my credit file. Transunion is using fraud by using identifying information without any lawful authority to furnish this information on my consumer report. By definition Transunion has committed identity theft.FCRA also state 1681b ( e ) ( 6 ) - All CRAs must work together and be joined. Consumer reporting agencies on a nationwide basis must maintain a joint notification system. I have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for US Bankruptcy Court on my consumer report does not match other consumer reporting agencies XXXX and XXXX, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account, US Bankruptcy Court, account number XXXX be removed. According to FCRA15 U.S.Code 1681c-2 ( a ) Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with US Bankruptcy Court account number XXXX is not relating to any transaction by myself, Transunion is required to place a block on my consumer report on the information associated with US Bankruptcy Court account number XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

In accordance with the Fair Credit Reporting Act, US Bank account number XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

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

15 USC 1666B states that a creditor may not treat a payment on an open end consumer credit plan as late for any purpose.