davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 or 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 to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-07-26
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 I requested verification on some inaccurate items reporting to my credit report and have not been responded to. It's been over 45 days and it still haven't been a response. I honestly feel like I am being disregarded and ignored. Can you please get to the bottom of this?
Consumer complaint received 2022-07-26
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I applied for an online loan with XXXX XXXX. The same day I was told I was approved and that my funds would be deposited into my checking account. Around 2 days later I was able to see my deposit but for some reason I was unable to have access to my funds. Since it was the weekend and Monday was a holiday I wasnt able to speak with someone at the bank until Tuesday. In between that time I was in constant communication with who I thought was an employee at XXXX XXXX. The woman from XXXX assured me that the reason I couldnt touch the funds was due to the bank putting a hold on it. By the time Tuesday came around I was overdrawn about {$1900.00}, I immediately contacted Regions ( XXXX, AL ) as well as their fraud department. They were supposed to put a freeze on my account and any other payments trying to be processed and told me that I was in fact scammed. I called my contact at XXXX and the number was disconnected. I go to my bank Wednesday because not only did I need to speak with someone regarding my account but they never put a freeze on my account and the scammers were able to withdraw another large amount of money on Wednesday. My total amount that I was scammed for was {$3900.00}. Not only did I not have those funds to begin with but the bank also told me that there was nothing they could do because I willing gave them my information even though it was a scam. I am on fixed income, Ive had to close my account and now Regions bank is telling me that they will keep my fixed income check that was supposed to be deposited into my account to make up for what the scammers got. I am outraged and in disbelief that Regions has not only kicked me while I was down but added insult to injury. I have been a member of Regions bank for over a decade and would have never imagined such treatment since I have always thought highly of this institution. I have no other means of income and they actually expect me to be without income for a month. I dont believe I should be held responsible for this I wasnt aware that I was being mislead. I have contacted an attorney regarding this matter and will be filing a police report as well.
Consumer complaint received 2022-07-26
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2018-11-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

Screen capture on XX/XX/2018, account statement on my loan reads Past Due : {$0.00}. Regardless, Citizens Bank claims I didnt make a XX/XX/XXXX payment. This is intentionally deceptive or otherwise misleading. 
After being notified in early XXXX that I had two additional missed monthly payments, a representative and I made arrangements for a {$370.00} payment to avoid repossession on XX/XX/2018. 
Citizens Bank repossession department maintains different business hours from the bank itself, and online payments were blocked for my account, so repayment was made unreasonably difficult. A repossession order was issued, the car was repossessed at around XXXX on Sunday, XX/XX/XXXX, and now the bank has changed the amount required to release the vehicle to {$1100.00}.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have been trying to close on a refinance with XXXX Mortgage since the end of XX/XX/XXXX. 

On XX/XX/XXXX, I received the first of many Loan Disclosures : Immediate Action Requested to expedite Home Loan Application emails causing me to believe XXXX was actually moving through with the loan. 

They have conditioned this to death and XXXX XXXX has been nothing but rude and downright XXXX without being XXXX- she has used microaggressions to the fullest extent and she definitely knows what she is doing when it comes to being just short of illegal. 

This ploy and tactic to condition my loan to the extent of the way that they have is to have me give up the loan as they know that this is illegal to state they do not want it. 

I can provide ALL OF THE DOCUMENTATION that I have been asked to provide and followed their instructions to the exact way they wanted it. 

They kept asking me for letters and credit explanations to no end. 

I would like a full on investigation and reprimand of this whole team that " worked '' on my file and I would like to file a discriminatory complaint as well. 

I am trying to upload all of the documentation that they asked for, but even the file exceeds XXXX I will provide that upon request. 

These individuals include XXXX XXXX, the Account Executive ; XXXX XXXX the Underwriter ; XXXX XXXX ; XXXX XXXX.
Consumer complaint received 2021-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

1 ) I received a notice on XX/XX/21, that my Personal Loan was in collections due to non-payment of {$800.00}. I made XXXX separate payments of {$800.00} on XX/XX/21 and XX/XX/21 via bill pay. The XX/XX/21 payment was received, but not the XX/XX/21 payment. XXXX, I emailed XXXX the XX/XX/21 canceled check copy showing that they had cashed the check, but had not credited my account. 
I called Santander bank on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. I received a call back on XX/XX/21 and XX/XX/21 from the bank representatives assuring me that the matter was being handled and on XX/XX/21 that it was resolved. 
I received my XX/XX/21 loan statement and the XX/XX/21 payment has still not been credited, and a {XXXX} late fee has not been reversed. 
I am scheduled to receive a call back from a Santander representative on XX/XX/21 with a resolution. 
2 ) Santander tracking of my loan payments are incorrect, as my statement states an amount due of {$1600.00} and I have made monthly on-time payments on my account.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (GA)

After reviewing my credit file Upstart has referred an account to a third party collection agency on XX/XX/2023. I have never did business nor provided a signature to the third party debt collector. I was also not notified of who that third party debt collector is or whether they are licensed and bonded in the state of North Carolina to collect debt. They are reporting on XXXX, XXXX, and XXXX. I am demanding they have this removed immediately. Pursuant 18 U.S.C. 8 this company is violating my consumer rights to privacy.
Consumer complaint received 2021-11-20
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: Bread Financial Holdings, Inc. (GA)

Please advise that this is a continuation of CFPB complaint number XXXX. I previously contacted Comenity/Victoria 's secret advising that I dispute the account listed on my credit report under FCRA 623 XXXX a ) ( XXXX ) ( D ). At this point my issue has still not been resolved and this company has left me no choice but to file a lawsuit in the state of Georgia due to their unwillingness to delete the inaccurate account that they have included in my credit report, which has damaged my credit rating and caused emotional distress. 

This company previously responded stated that they will not delete this account because they're required by law " to report factual information ''. They stated that they will update the account to discharged in chapter XXXX bankruptcy instead of as a charged off account. First of all, I have never had a bankruptcy. Secondly, this account was updated on my XXXX credit report on XX/XX/21 as a charged off account in the amount of {$71.00}, which is completely opposite of how this account was " allegedly '' supposed to be reported. According to Comenity Bank/Victoria 's Secret, they are required " to report factual information ''. However, none of the information they have reported is factual. 

This is my final request to have this account removed from my credit report. If I get another pointless response saying this account has been " verified '', this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit files, namely XXXX, XXXX, and XXXX,
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

myEquifax. NUMEROUS online complaints in regards to this exact issue w/ myequifax online accounts. 
- Attempting to create and access 'myequifax' online account - ability to freeze and unfreeze credit report online. Unable to log in to myequifax account. Unable to reset password, etc.
XX/XX/19 - "Issue with account". Asked to fax copies of SS card and DL Completed.
XX/XX/19 - Called myequifax - was told that my info had been received, but that my account was never updated. Same date - via phone (XXXX) they updated e-mail address and asked me to try to reset my password again in 24 hours. They also "thawed" my report at my request. I requested a thaw through XX/XX/19. 
XX/XX/19 - myequifax told me that my account was never created and that myequifax is escalating to a supervisor. Wait 7 to 10 business days... (Although I was told previously that my account had been created). I was also told that my report had actually only been thawed for 24 hours - ending on XX/XX/19... Contrary to my request of XX/XX/19. 
XX/XX/19 - AGAIN myequifax via phone tells me that my online account is created. But that there is an "issue" with the account... "We are escalating to a supervisor". Wait 7 to 10 business days. 

XXXX (myequifax) seems to go to an overseas call center. VERY loud and VERY difficult to understand agents - talk very fast and difficult to understand them. Agents are using alias names. Seems that with such sensitive info that this is not a good process... 

No resolution to date. 

No issues with XXXX or XXXX.
Consumer complaint received 2023-03-26
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am attaching all letters sent to XXXX XXXX XXXX XXXX ( XXXX ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to XXXX regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. XXXX did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXX XXXX  on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

XXXX was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since XXXX has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.
Consumer complaint received 2024-02-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KY)

On XX/XX/XXXX, I made an on-line payment to Synchrony Bank for my Amazon Store Card . Instead of applying my {$140.00} payment to the balance on my credit card, they applied it to a spendable ( available balance ) amount, thus leaving my statement balance the same. I feel like Synchrony was doing this so I would use my card and thus be over the limit because it wasn't a " true '' credit available. Why would Synchrony take my payment and not credit it to my purchases? They could not explain why they took my payment and did not credit it to my outstanding balance. The copy will show that my credit limit is {$360.00}, yet my balance is {$340.00} and available credit is {$150.00}. This is because Synchrony took my payment of {$140.00} and credited it to my spendable credit available and not my outstanding balance. Had they allowed me to charge, this would have put me over my limit and they could have charged me additional charges for that. They should have credited my payment to my balance, period.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied for and received a Capital One XXXX Card on XX/XX/XXXX. I used the card to make some grocery store purchases and book a hotel within the first week of activation. On XX/XX/XXXX my card was declined at the grocery store. I logged into the app and saw my card had been locked. There was no additional information. I had to XXXX the customer service number and call Capital One. I was told they locked my account due to fraud and they needed me to upload a picture of the front and back of my driver 's license, they would text me a secure link. I tried several times and kept getting an error message, they then sent the link to my husband 's phone and he also got the error message. It finally worked and I was disconnected. When I called back, I was told they could not verify through text they would need to do so via email. I provided my email address, and then uploaded a picture of the front and back of my card as directed. Capital One called me on XX/XX/XXXX to say they needed additional information and would send another link. On XX/XX/XXXX I uploaded the front and back of my license, my social security card and proof of address as requested. I received a call from Capital One on XX/XX/XXXX asking to call back with my card number as they were ready to unlock the card. When I called back they told me that no one called, they had my documents they had not been approved. It takes 7-10 business days so call back on XX/XX/XXXX if it was not unlocked. I called back on XX/XX/XXXX and was told it takes up to 10 business days call back on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Capital One letting me know my card had been locked. I called again on XX/XX/XXXX and was told my card was still locked for fraud and it would be another 14 business days. I asked to speak with a supervisor. When connected with a supervisor I was told that they could not verify what I had uploaded and I would need to upload again. It will be another 10 business days. I asked what charges were suspected of fraud and was not told as they said they cold not verify my identity. I expressed I was extremely dissatisfied with their customer service.
Consumer complaint received 2020-06-05
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: EQUIFAX, INC. (NJ)

I ask them to remove information along with the letter again nothing has been done. The inquiries from XXXX XXXX  XX/XX/XXXX has informed me they do not have a request from me and can not verify my social number. XXXX XXXX XXXX XX/XX/XXXX also informed me they did not have a recorded of my credit request. UCS XXXX did not have my permission to run my credit score. XXXX XX/XX/XXXX did not have my permission to run my score. XXXX XXXX XX/XX/XXXX I have an account with XXXX for the past 20 years and there is no need to have my credit checked. I never authorized any credit check from XXXX, I did not have my permision to run my score.