davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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. (HI)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (CA)

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX Account number XXXX with balance of {$1600.00} incurred, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Consumer complaint received 2021-01-07
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. (GA)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX XXXX incurred on XX/XX/2020, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NY)

Gemini trust company LLC, they state the following of what I read from their response : ( On XX/XX/2021, Gemini provided Mr. XXXX with additional guidance on what was required from the customer before lifting the restriction on his account. Mr. XXXX has yet to respond to this inquiry. )/ The only reason why it could be is because I have never received any notice from them on the date that they are saying. I have been sending them from their platform, XXXX, XXXX, XXXX XXXX I even sent respectfully a XXXX to Mr. XXXX XXXX hopefully seeing a change in my case however I continue struggling with frustration. I would like to know if they required extra info about me. Although, they have the sufficient information about me that I don't see why their delay is endless. I hope after this letter we can get in touch promptly and fix this matter the best way possible which is to let me get access to my account like I was before and continue as a loyal customer of Gemini trust company LLC.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They never responded to any of my dispute letters. I have sent 5 letters starting XX/XX/2020. They fail to do their job and they are reporting inaccurately. please help me as they are purposely hurting my credit score.
Consumer complaint received 2024-02-27
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: Experian Information Solutions 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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (IL)

I'm disputing this account as a fraudulent account. I am victim of identity theft. I tried disputing this account with the credit bureaus and they referred me to reach out to the company directly. The only card that I have with Nordstrom is a Nordstrom debit. 


Please find my police report and identity theft report that's attached.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2023, I made a deposit with two checks ( # 1 {$110000.00} & # 2 {$10000.00} ) from the US Treasury at a local Navy Federal Credit Union ( NFCU ) branch and per their funds availability policy the funds were made available to me the next business day. However, 24 hours after the deposit, and having made the funds available, NFCU opted to then arbitrarily put an extended hold on the funds and reversed the availability from my account. NFCU did this without warning ( an email was sent after the fact ). NFCU provided no factual rational that justified their actions, and I was told by an NFCU employee that the hold was placed because the checks had a high probability of not being paid, which made little sense as the checks were US Treasury checks.

NFCU 's policy does allow for extended holds to be placed on funds for up to 5 days. However, their policy does not state that fund availability is subject to reversal after an initial hold has elapsed and funds have been made available. NFCU was not acting in good faith when it released the funds and then reversed that release without any fact based rational, evidence, or indicators of fraud. By NFCU 's explanation and rational, a customer has no way to tell when the funds actually become available, i.e., the customer can not rely on the balance shown in their account at any time until 5 business days have elapsed after the deposit as NFCU can reverse the availability at any time without warning or proper justification.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I participated in what was called a " selection '' to be coached by XXXX XXXX for free. After I actually found out that this process was a frivolous sales process. After receiving many emails inviting me for a free meeting on XX/XX/XXXX I entered in a videoconference call with other people being interviewed one by one by XXXX XXXX. Once I spoke to the " interviewer '' and was mislead that I've passed on the interview, I was brought to another videoconference to talk to a person who requested my credit card information. I thought that was one more step of this selection process and I cooperate with this person, giving my credit card information. I thought my card would not be charged because there was any type of contract or agreement. Unfortunately, on XX/XX/XXXX, I realized I was wrong and subsequently I decided to ask for a reimbursement. So, I email XXXX XXXX XXXX to request my reimbursement since I've never received or signed any terms or conditions and any other type of agreement. I received an email from XXXX XXXX XXXX, saying that their Terms and Conditions, which I've never received did not allow reimbursemts. For this reason, I disputed the transaction with Bank of America. However, on XX/XX/XXXX, Bank of America sent me by mail a request with explanations and the answer of the merchant to my dispute. The answer was showing all the free invitation emails sent by XXXX XXXX XXXX and a form of order EMPTY, that was never filled by me. They also could not provide any terms and conditions or other agreement showing my signature as I proved with the documentation sent to Bank of America on XX/XX/XXXX. Even under those circumstances Bank of America is still charging me and saying : " We didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''.
Consumer complaint received 2021-10-11
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. (NC)

On XX/XX/2021 I sent Experian a 2nd letter disputing the legitimacy of the bankruptcy they are reporting on my credit report. They eventually responded back on XX/XX/2021 saying that they verified the bankruptcy through a 3rd party credit agency named XXXX. Shocked by this admission, I went directly to XXXX to dispute this bankruptcy in question and XXXX could not verify this item at all and therefore deleted from the record on XX/XX/2021. On XX/XX/2021 I actually went back to Experian with a another disputed letter showing them the XXXX report of the bankruptcy being deleted and informed them that if they could not verify where this bankruptcy came from then according to the FCRA they must delete it. Unfortunately they came back with the same letter on XX/XX/2021 saying that the bankruptcy was still verified from XXXX. This inaccurate and unverified item still being reported on my Experian report is causing me problems when I'm trying to get a mortgage. This item needs to be removed and deleted from my credit report since they can not verify it. 

Experian is still falsifying that they investigated this alleged bankruptcy. On XX/XX/XXXX they sent me a generic letter stating that they done a thorough investigation with XXXX saying that it came back verified EVEN THOUGH I GAVE THEM THE XXXX LETTER STATING THAT THERE IS NO BANKRUPTCY REPORT. So in other words this is a blatant lie since there is no bankruptcy showing on my XXXX report. This needs to be escalated to a human supervisor at Experian since these repeated generic letters coming from them is showing proof that NO INVESTIGATION was actually done which is clearly a violation according to the FCRA.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Last month, I chatted Bank of America about my XXXX XXXX Mastercard through the bank 's website. For context, when I opened the card application said that if I did not put in an XXXX XXXX Rewards number, Bank of America would automatically create a new rewards account for me. But lo and behold, Bank of America had mistakenly issued my XXXX XXXX Mastercard to an XXXX Guest Rewards number that was not even registered to my name! XXXX informed me that since this was a Bank of America error, they needed to be the ones to correct the misassigned number. So that's why I initiated a chat. The chat representative assured me that the bank would correct this problem by : ( 1 ) Ensuring that all points awarded to date would be credited to a new account I had just created. 
( 2 ) Ensuring that the companion and upgrade coupons would be added to the new account. 
( 3 ) Ensuring that the single-visit lounge pass would be sent to me via mail ( I had not yet received this pass ). 

Bank of America has completed item 2. However, item 1 is still incomplete, and item 3 has not been resolved. Thus, I am still out all my points from the XX/XX/2021 statement, as well as my single-visit lounge pass. This is disappointing as the original problem was caused 100 % by the bank. I should not have to wait multiple months for the bank to fix its own error.
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NV)

On XX/XX/XXXX at XXXX pacific time, I contacted Barclay Bank by phone to alert them I was having difficulty making my payment this month, and needed to cancel automatic payments. I was assured there were no automatic payments on this account during a call I recorded. On the XX/XX/XXXX, I logged in online, and made a one time payment to keep the account from going 30 days late. I entered in my checking account number and routing number for this one time payment, and it was difficult to get those funds together. 
Two days later, on XX/XX/XXXX, another payment was processed by the bank in the same amount. I immediately contacted the bank, and was told collections withdrew the funds from my account, but that they would attempt to reverse the payment and get it back to me within two billing cycles. I don't have the luxury of two billing cycles. These were funds that were not theirs to take, that I did not give permission for them to take, and now feel stupid for trusting this sleezy institution with my checking account information. 
I ask that the consumer financial protection bureau takes swift action on this while I explore all options available for me to recoup the losses from this theft.
Consumer complaint received 2021-10-11
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. (MN)

The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX The credit inquiries arent my credit inquiries. They are all fraudulent and unauthorized.
Consumer complaint received 2021-01-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

When closing on my home I learned there is a second lien from a modification back in XX/XX/XXXX through XXXX XXXX XXXX. My loan was sold to a new provider Bayview loans in XX/XX/XXXX. The 2nd lien was then assigned to Bayview from HUD. Bayview then sold my loan to XXXX XXXX. My credit report was listed as paid in full with Bayview loans and my understanding was the deferred loan was sold into my account to XXXX. Bayview did not disclose to me that they would still hold this loan.As I was closing on my home, the title agent pulled the second Loan which still belongs to Bayview. I pulled my credit which states paid in full but Bayview insists I own this loan. XXXX servicing my current lender is unaware of second loan as this was not disclosed to them. Due to this outstanding amount of over {$100000.00} I lost all equity in my home and unable to purchase a new home. Bayview will not compromise on this loan.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX - XX/XX/XXXXXXXX XXXX Syncs/aeXXXX- 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 Syncb/AmazonXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/PayPal XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX There are all fraudulent inquiries that I dont not authorize the creditors to run my report
Consumer complaint received 2021-10-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My name is XXXX XXXX I am who I say I am and no third party is involved in submitting this complaint. 

today ( XX/XX/2021 ) I entered into a consumer credit transaction with Truist Bank d/b/a Lightstream to use my right to extend credit for personal and household purposes. I understand that Credit is a right pursuant to 15 usc 1602 ( f ) and I exercised this right in good faith when I completed the credit application and this denial letter constitutes discrimination under 15 usc 1691 ( a ) ( 3 ) and Truist Bank d/b/a LightStream also willfully and knowingly gave me false and inaccurate information for giving me an adverse action in an extension of my own credit as a consumer and they can now be held criminally liable pursuant to 15 usc 1611 and can be fined up to {$5000.00} or imprisoned not more than one year or both.