davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (FL)

Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 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 account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.
Consumer complaint received 2021-06-08
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: ENOVA INTERNATIONAL, INC. (CA)

I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. 

XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX. -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX -- -- - Dispute letters were sent out XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Inquiry date : XX/XX/XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XX/XX/XXXX and XX/XX/XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. 
Inquiry date : XX/XX/XXXX Net Credit -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or about XX/XX/2018 I reported a error to Transunion. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called XXXX and had a letter in my hand within a week.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a claim on XXXX XXXX for {$4900.00}. They closed my claim prematurely without doing any research. I provided documentation to BOA on XXXX XXXX when I received a letter in the mail requesting more information. I called on XXXX XXXX to be certain the document was received. That is when I was informed that they did a chargeback to the merchant for the wrong amount and would have to reverse the chargeback and reissue for the correct amount. I asked that my account be given a temporary due to the delay by BOA. I recieved the letter requesting more information well after ten days and its no fault of my own that they created the chargeback for the wrong amount. BOA has refused to cooperate with my request and I have called and escalated the situation, spoken with managers everyone has told me they submitted the request but it is not guaranteed that anything will be done. Boa has failed me miserably and placed me and my family in a financial crisis. Due to mistakes that were not made by me.
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

Out of the blue I got a letter in mail from Chime ( www.chime.com ) that contained a welcome letter and a debit card with instructions to activate the card and the account. I was surprised as I had not heard of Chime nor had I submitted any application to open an account. I called the phone number on the card and talked to a woman and stated my problem. She asked me to give my social security number and she said without my social security number she won't be able to proceed or investigate. This made me even more anxious since it meant they already have my social security number and used that to open the account. Or else they were trying to get the social security number from me in the call. The woman said she will record the complaint but with no assurances about how it will be handled or without providing the information about how this account was opened without my knowledge or authorization. 

It is certain that this is one of 2 possibilities : - identity theft where someone has stolen my identity to open the account - opening an account in my name without my authorization ( similar to the XXXX XXXX incident that happened a few years ago ). 

I am very concerned about this episode and would like to get to the bottom of this.
Consumer complaint received 2021-06-08
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: TOYOTA MOTOR CREDIT CORPORATION (CT)

these accounts don't belong to me. please remove accounts : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 corrected : XXXX XXXX XXXX Balance : {$230.00}, XXXX  XXXX Balance : {$2300.00}
Consumer complaint received 2021-05-31
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc. (CA)

Complaint # 1 - Merchants & professional Collection Bureau ( " the Company '' ) continues to close complaints opened against it, falsely alleging they are duplicates of a complaint they have already responded to, even though they have been repeatedly advised otherwise. By doing this, the company is engaging in an abusive, unfair, or deceptive practice, and is there for violating the Fair Debt Collection Practices Act ( FDCPA ). THIS IS NOT A DUPLICATE COMPLAINT. YOU MUST TAKE ACTION AND PROVIDE A RESPONSE. Complaint # 2 ( AGAIN, NOT A DUPLICATE. THE COMPANY HAS NOT RESPONDED TO THIS COMPLAINT. CLOSING THIS COMPLAINT BY FALSELY ALLEGING IT TO BE A DUPLICATE WILL RESULT IN LEGAL ACTION BEING TAKEN AGAINST THE COMPANY. ) Merchants and professionals collections has reported to all 3 credit bureaus that I have a debt in collection, but I have never done business with them or the original creditor, nor have either ever contacted me about the alleged debt ( which can be confirmed in their response to a recent complaint against XXXX, which the company erroneously responded to and stated " MrXXXX XXXX has never contacted us regarding the account in question. '' That Complaint # is XXXX. ) Since they have not contacted me they have also made No attempt to validate the debt or provide me the opportunity to dispute its accuracy, both of which are required by Federal Law.
Consumer complaint received 2020-11-05
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-06-07
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)

XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX inquiry XXXX I was informed by my XXXX XXXX XXXX XXXX of the numerous inquiries which lowered my borrowing power with XXXX. I was asking for a loan with my credit union and because of these inquiries, that I did not initiate or give permission to do, I was turned down for the amount of the original loan I applied for. 

XXXX ( XXXX XXXX XXXX ) was never an application for credit made by me. ( I only shop at XXXX XXXX! ) XXXX XXXX - I was informed by my credit union that it is a home repair company. NEVER would I make a loan for home improvements - now or ever! 

XXXX XXXX XXXX - I did not make credit application for this credit company.
Consumer complaint received 2021-02-02
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late fcra RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra see CFPB of the fcra violations RemoveXXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations see cfpb
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

On XX/XX/2024 my discover card was closed I never got any correspondence from discover telling me that my account would be closed or of any issue that may have been ongoing on XX/XX/2024 I received a credit alert saying that an account on my credit report was closed by the credit grantor not knowing what was going on I called discover and they tell me that the irs report I filled out on XX/XX/XXXX was denied on XX/XX/2024 and also on the same day they sent me a letter as well as a new irs form to fill out I never received any email or usps mail explaining this information as after I called on the XXXX was the first time I heard of this I even went through my emails thinking there was something I missed but that was not the case the case is discover made an error and never sent me anything for them for the irs they made no effort to contact me at anytime to even allow me a chance to verify my identity this is a shame I was proud to be a member of discover they are supposed to be a very elite company so to speak and they lied and closed my account without providing any effort to notify me that this was happening no mail nor email or even a text or phone call this was a complete waste
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On multiple occasions during the past 45 days I have filed two disputes of XXXX accounts with TransUnion reporting agencies and they havent been updated. There six accounts reflected as derogatory from XXXX. These accounts have reached the seven-7 year retention schedule and need to be removed immediately
Consumer complaint received 2020-11-05
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

This company called diversified consultants inc is a collection company that put a derogatory account on my credit report without contacting me first and giving me 30 days to contest the debt as per the fair credit reporting act, the failure to contact me means this company acted in bad faith and used bullying tactics against me, the total of the said account is {$570.00} from I believe original creditor XXXX, now they must send an agreement because this company XXXX been claiming I owe a lot of things and they are unfounded, I need them to get these things away from my name and those addresses of services are not associated with me ... Ive lived at the same address since 2001, and its not the address they have ....
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I have sent a payment of {$1000.00} on XX/XX/XXXX towards my mortgage principal via a 3 day wire transfer from my XXXX  XXXX XXXX account. My mortgage company is NewRez LLC. The payment was estimated to be received on XX/XX/XXXX. I have a confirmation from XXXX  XXXX XXXX that the payment was successfully transferred. I have also contacted NewRez several times and sent them the screenshot of my wire transfer confirmation twice. However they have no clue what is going on in their system and have not provided any satisfactory answer as of today XX/XX/XXXX. I have also confirmed and re-confirmed the wire transfer information to make sure the account numbers are correct.
Consumer complaint received 2021-05-31
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)

Ive disputed inaccurate information multiple times with all bureaus to get the same result the two bankruptcys on my report are totally inaccurate and need to be removed immediately.Where is this information being verified? Between all bureaus the information is different names and reporting dates .Being said this grounds for removal per FCRA! Please Remove immediately!
Consumer complaint received 2018-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

Common Wealth Financial has reported a Collection account on my credit reports for {$180.00} that does not belong to me. This has caused my credit score to drop and is causing issues. This does not belong to me. I have never received any communication from them regarding this matter nor do I know anything about it.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XX/XX/year> XXXX XX/XX/scrub>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 XXXXXX/XX/year>
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I tried to temporarily lift the freeze on my credit report at Experian.com. Trying to retrieve my PIN online did not work and the account froze or something as I keep getting a message to send them a letter. I don't have time to do that as I'm in the middle of trying to refinance my home and every day 's delay can potentially cost me. There is evidently no way to talk to a human and their bot is pretty stupid. What else can I do?
Consumer complaint received 2024-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington National Bank Processed my Home Loan Application first for a Line of Credit as well as Loans ( XXXX Applications : {$150000.00} + {$150000.00} + {$200.00}, XXXX ) as well as XXXX Personal Loans ( {$50000.00} + {$50000.00} ) and denied all in the past few Months. The specified the reason as low credit score from XXXX Credit Buruea which they sent a copy off. 

In the year XXXX, in the month of XXXX they approved XXXX Personal Loans ( {$50000.00} each ; received and returned ) and Home Purchase Loan ( {$500000.00} ) in XXXX when they provided XXXX Credit Bureau Reports stating that it is required by as per Financial Institutions Lending Rules. 

Their software had a ROUTING problem which I reported to them and they are looking into. They also seem to have a ROUTING and APPROVAL Problem of getting the Application and Approval from me ; APPROVING the submitted application and sending the checks elsewhere to their cohorts and potentially my employer with whom they are mutually benefitting. Both the parties involved are using my STOLEN ID which they control through the BID ( XXXX : XXXX XXXX and XXXX XXXX = XXXX ) Process. 

They have thus approved {$1.00} XXXX X XXXX this year and {$1.00} XXXX X XXXX = {$3.00} XXXX in XXXX  ( Application Name was XXXX XXXX XXXX in XXXX  ) at least equaling to {$4.00} XXXX at least that I know off. I am not sure whether they have gone down to the ALPHABET Level in their Financial Process of my name or appellation. 

Do not hesitate if you need to verify any of this information.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CT)

For the last XXXX weeks Citibank has been blocking my access to my checking account while allowing the joint account holder, with whom I am in XXXX proceedings, access to the account which I can not view or monitor. 

I have called Citibank twice to rectify this situation and both times the representative has literally hung up the phone on me. 

They literally have my funds and are allowing the joint account holder to deplete the account while blocking me with no recourse.