davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

It's very hard to get information referencing this HELOC. It seems I only get a response when request through CFPB. 

I'm requesting billing statements from XX/XX/XXXX through XX/XX/XXXX. I have sent a request to to the below add on XX/XX/XXXX per the instructions on Citibank 's letters. The request was sent via priority mail but it was returned to me XXXX XXXX as return to sender. 

Citibank , N.A . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My original complaint to CFPB was in opposition to Transunions score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX.. I recently checked my FICO due to an alert from XXXX and my credit score has been dropped to XXXX without incidence or contact from Transunion or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold XXXX was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my XXXX account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to XXXX : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX XXXX  targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.
Consumer complaint received 2022-10-07
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. (OH)

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. 

XXXX  # XXXX, XXXX XXXX  : # XXXX, XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, 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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

- I shopped for the best home equity line of credit I could get - I pulled my own credit score and was over the acceptable level that was needed, a score ( XXXX - XXXX  XXXX to ascertain the loan - I phoned 15 loan companies and asked them to give me a quote with their best interest rates and I told all of the loan companies that I was contacting their competition to get their best interest rates and I would compare and select the loan company that was the best value for me.

- Each company told me that to get the best interest rate from them they would need to see my credit score and asked for my social security number which I gave them - 12 of the companies sent me a quote via email or regular mail. these quotes were typically sent on an application form and I was asked to sign it and mail it back to them - I did NOT sign any of these applications - This process took me about 3 months to get to this point - I selected XXXX XXXX  to get the loan and I went to their office and set down with the manager, filled out the application and I signed it and submitted it - 2 days later XXXX XXXX  contacted me and said my score was XXXX with XXXX  and that the XXXX  report is what they use as reference to meet the XXXX credit score - XXXX XXXX  declined my loan - I contacted XXXX  and asked them what happened to my credit score - XXXX  said I have 10 " Hard Inquires " that deducted points from my credit score each of the 10 " Hard inquires '' reduce my credit score between 1 and as much as 20 points - I went on XXXX  ; s website and read their definition of " Hard inquiry '' which states an application for a loan. An incomplete ( unsigned ) form is Not an application. 
To apply for a loan the application must be signed - I explained to XXXX  that I did NOT apply for a loan except 1 with XXXX XXXX  and that the other 9 inquires are " Soft inquires '' that do not deduct points from my credit score - I also explained to XXXX  that I had received mail from some of the loan companies declining their offer due to incomplete applications because they were NOT signed and submitted - XXXX  suggested that I contact the 9 loan companies and ask them to remove the " Hard inquires '' - I called 2 of the loan companies and since I did not go with their loans they paid no mind to my request to change the inquires from " Hard '' to " Soft '' - I called XXXX back again and asked them to help me to correct this faulty reporting They said that the loan companies are responsible to provide 100 % correct information and that XXXX  only passes this information along - I pointed out that XXXX  has a responsibility to pass along CORRECT information due to the fact that this information is controlling my life and is their a department that I can file a complaint to and get this faulty information corrected, They said CFPB Please give me direction as to what I can do
Consumer complaint received 2022-12-03
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XX/XX/2021
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I've been trying to reach out to Equifax, they have not given me access to my FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX  has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my FAL REPORT. I am entitled to a free weekly report due to the current pandemic.
Consumer complaint received 2021-06-12
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)

- I shopped for the best home equity line of credit I could get - I pulled my own credit score and was over the acceptable level that was needed, a score ( XXXX - XXXX  XXXX to ascertain the loan - I phoned 15 loan companies and asked them to give me a quote with their best interest rates and I told all of the loan companies that I was contacting their competition to get their best interest rates and I would compare and select the loan company that was the best value for me.

- Each company told me that to get the best interest rate from them they would need to see my credit score and asked for my social security number which I gave them - 12 of the companies sent me a quote via email or regular mail. these quotes were typically sent on an application form and I was asked to sign it and mail it back to them - I did NOT sign any of these applications - This process took me about 3 months to get to this point - I selected XXXX XXXX to get the loan and I went to their office and set down with the manager, filled out the application and I signed it and submitted it - 2 days later XXXX XXXX  contacted me and said my score was XXXX with XXXX  and that the XXXX  report is what they use as reference to meet the XXXX credit score - XXXX XXXX  declined my loan - I contacted XXXX  and asked them what happened to my credit score - XXXX  said I have 10 " Hard Inquires " that deducted points from my credit score each of the 10 " Hard inquires '' reduce my credit score between 1 and as much as 20 points - I went on XXXX  ; s website and read their definition of " Hard inquiry '' which states an application for a loan. An incomplete ( unsigned ) form is Not an application. 
To apply for a loan the application must be signed - I explained to XXXX  that I did NOT apply for a loan except 1 with XXXX XXXX and that the other 9 inquires are " Soft inquires '' that do not deduct points from my credit score - I also explained to XXXX  that I had received mail from some of the loan companies declining their offer due to incomplete applications because they were NOT signed and submitted - XXXX  suggested that I contact the 9 loan companies and ask them to remove the " Hard inquires '' - I called 2 of the loan companies and since I did not go with their loans they paid no mind to my request to change the inquires from " Hard '' to " Soft '' - I called XXXX  back again and asked them to help me to correct this faulty reporting They said that the loan companies are responsible to provide 100 % correct information and that XXXX  only passes this information along - I pointed out that XXXX  has a responsibility to pass along CORRECT information due to the fact that this information is controlling my life and is their a department that I can file a complaint to and get this faulty information corrected, They said CFPB Please give me direction as to what I can do
Consumer complaint received 2022-12-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ally bank XXXX XXXX XXXX XXXX CT XXXX RE : XXXX XXXX  XXXX to XXXX XXXX. discrimination is against the law it has been over a month since I notified ally bank about their discrimination against me the consumer I spoke with XXXX XXXX from ally XXXX customer relation office. Ally bank continues to violate the laws of my consumer rights with the unauthorized use of my credit card account I have not receive any benefits from these transaction I receive another discrimination dated XX/XX/ ignorance to the law is no reason to break them 20 days has past
Consumer complaint received 2022-10-07
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. (OH)

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. 

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX  : XXXX XXXX, XXXX XXXX : # XXXX, 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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I've been trying to reach out to Experian, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.
Consumer complaint received 2019-10-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliant Capital Management LLC (AZ)

Loan was an illegal tribal loan that has been sold multiple times to non-tribal collection agencies that do not have any legal authority to collect. They refuse to provide anything. They are threatening to take my car and house despite neither being collateral for the loan.
Consumer complaint received 2022-12-03
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$6400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-12-03
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6400.00} ; XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (MI)

We have had a USBank XXXX credit card for many years. On or about XXXX XXXX US Bank called us about XXXX questionable charges that were on our card and we informed the caller that all three were not made or authorized by us. Because of this we started checking our account online and found that on XXXX XXXX XXXX of the fraudulent charges, a XXXX XXXX charge for {$980.00}, reappeared on our statement. Since that time we have called USBank XXXX or XXXX times and talked to a fraud representative and each time we were told the contested amount would be removed. Most recently, XXXX XXXX we called as the charge was still on out statement and was told that a 'case processor ' would call back within XXXX hours. We called again on XXXX XXXX because the account due date is XXXX XXXX and was told the same thing, that a fraud claim was open and someone would call within a couple of days. As of the due date the amount is still on our account. We are XXXX XXXX XXXX and have a XXXX credit rating that we want to preserve so any action from the cfpb to assist in resolving this claim is greatly appreciated.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

i looked at my credit report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX are not complete and accurate. 

i sent a letter to transunion and XXXX  on XX/XX/XXXX asking them to make sure everything is complete and accurate. and i also sent another letter on XX/XX/XXXX and here is my tracking numbers XXXX XXXX Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

They also violated these laws And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a joint account that was opened with my brother two years ago. Checks were deposited as third party checks from XXXX and they decided to infinitely restrict the account. My funds have been inaccessible for two years. Capital One has been contacted by my brother numerous times about this issue. Unfortunately, they still do not want to help close the account and send the funds anywhere.