davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint against Equifax regarding their failure to conduct a proper investigation into an identity theft issue, despite repeated requests and submission of required documentation. This has caused significant distress and financial harm to me. 

On XX/XX/2024, I contacted Equifax to report a case of identity theft and requested a thorough investigation into the matter. I provided all necessary documentation including a photocopy of my driver 's license, a copy of my XXXX XXXX  XXXX, and a copy of a recent utility bill as proof of identity. Despite submitting these documents, Equifax sent me a stall letter stating that they needed the same documents, which had already been provided. This demonstrates a blatant disregard for consumer requests and a failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I explicitly requested that Equifax place a block on any information resulting from the identity theft and to delete any fraudulent accounts associated with it, particularly XXXX with XXXX. However, Equifax has not taken any action to address these concerns, which is in direct violation of the FCRA. 

Equifax 's negligence in handling my case not only violates federal laws but also undermines the purpose of consumer protection regulations. By failing to conduct a proper investigation and ignoring my requests for resolution, Equifax has allowed fraudulent activity to persist, putting my financial well-being at risk. 

I demand that Equifax promptly conducts a thorough investigation into the identity theft issue, places a block on any fraudulent information, and deletes any accounts associated with the identity theft, particularly with XXXX. Additionally, I expect Equifax to provide me with a detailed report of the actions taken to resolve this matter. 

I urge the Consumer Financial Protection Bureau to investigate this complaint thoroughly and take appropriate action against Equifax for their non-compliance with FCRA regulations and their failure to protect consumer rights. 

Thank you for your attention to this matter.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am having the most difficult time with Transunion, I recently received a copy of my TransUnion credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about unauthorized inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete XXXX of the XXXX inquiries on my credit file. I understand that Transunion should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Transunion has not provided me any proof or resolution to my concern.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. ()

XXXX XXXX XXXX has been contacting me trying to get information on my close friend. They have called multiple times, and each time I tell them I am not her, and will not give out the personal information of a friend. 

After telling them I am my friend, they continue to ask me if I can confirm that I am her to discuss a personal business matter. I continue to repeat I am not her and will not provide any information on her. 

Each time they say they will remove me from the account. But I continue to receive calls.
Consumer complaint received 2021-08-06
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. (NY)

I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

On XXXX XXXX, I paid XXXX XXXX XXXX {$3300.00} in hopes of paying off the card. I ended up over paying and a balance of - {$250.00}. I did n't request a refund since I shop on XXXX often and knew I would eventually use the credited balance. XXXX has a policy ( unknown to me ) that if the balance is n't used in 60 days, they automatically send the credited balance as a refund check. They ended up sending the check to the wrong address. In addition, they never informed me of this policy or that the check was sent. I only found out when I checked my account after making a purchase ( a month after this check was supposedly mailed ). I spoke with a customer service representative and they said that the check would be cancelled and a new one sent. Since I did n't trust the first representative ( he gave me misleading information about my account ), I spoke to another representative a few hours later. She noted that the first representative I spoke with never cancelled the check or put a new request in. She claimed that she had fixed everything and the check would be sent within 15 business days. It 's been three weeks now, and I received a check only for {$2.00} ( the amount I had in cash back rewards ). I spoke to another representative who claimed that the check for the {$200.00} was not sent because the there was some confusion by the person who cuts the checks. She said she would try to get it resolved.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute the validity of the alleged debt associated with the above-mentioned account. I request that you provide the following information to validate the debt and your authority to collect it, as required by the Fair Debt Collection Practices Act ( FDCPA ) and XXXX XXXX state laws XXXX of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : Please provide evidence that XXXX XXXX is licensed to collect debts in the state of XXXX XXXX XXXX This should include a valid XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX. 


XXXX of XXXX with XXXX XXXX : Please provide a copy of the contract or agreement between XXXX XXXX and the original creditor that grants them the legal rights or authority to collect on the alleged debt. This document should clearly show that you have the legal standing to pursue this debt collection FDCPA VIOLATION Communication with third parties : I am also concerned about your company 's communication practices, particularly with consumer reporting agencies such as XXXX, Equifax, and XXXX. I have reason to believe that you may have communicated information about this alleged debt to these agencies without my prior consent or authorization, which would be a violation of the FDCPA. 

Failure to provide this information and continuing collection efforts without validation will compel me to take legal action to protect my rights under the FDCPA and XXXX XXXX  consumer protection laws. 

Please respond to this dispute within XXXX  days from the receipt of this letter. If you fail to provide the requested information within this timeframe, I will consider the debt invalid and will take appropriate actions to dispute and rectify this matter.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Arcadia Holdings, LLC (PA)

XXXX XXXX XXXX placed a collection account onto my credit report for {$370.00} XX/XX/2017. This account was previously removed. According the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report you are in violation of the FCRA.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

There are several late payments from the months of XX/XX/XXXXto XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP
Consumer complaint received 2024-02-19
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. (NE)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AR)

Chime ( who operates with The XXXX Bank ) closed my account with no prior notice and no warning. They gave ABSOLUTELY ZERO explanation for why and never tried to reason with me. They said in an e-mail they would " send out a check within a month '' to my address, but I simply can not wait that long to pay bills as I am a full time college student. The initial email was received on XX/XX/2021. 

I have reached out to Chime no less than *4 times* to try to get a response from them to see what is going on, but every time I have been responded with " Our team will get back to you shortly. '' I still have not received ANY response from them at all. I am not a wealthy college student, not by a long shot. The {$3000.00} that was in that checking account is something I need to have on hand to buy things like food. 

Trying to call Chime on the phone, you are met with " We see that we have closed your account. Please e-mail us and we can assist you if you need. Goodbye. '' ( Paraphrasing slightly there ). Chime is making it absolutely impossible for me to make any contact with them, despite there being NO FRAUD IN MY BANK ACCOUNT.
Consumer complaint received 2017-11-29
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. (FL)

Their are XXXX hard inquiries on my XXXX and XXXX on my XXXX Credit Report and that I have not authorized and am not even familiar with. I have contacted XXXX and Equifax and I have also contacted each creditor individually. Nothing is being resolved or removed!
Consumer complaint received 2017-11-29
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. (FL)

I sent letters to XXXX, Experian, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

XXXX XXXX Bank is the holder of my mortgage. I requested a loan modification. Ocwen my servicer informed me that XXXX XXXX Bank refuses all loan modification requests. I would like to know why XXXX XXXX Bank refuses to allow loan modifications.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (TX)

The following company " SENTRY CREDIT does not have any authorization to report any information into my credit profile. I do not have any financial or contractual obligations with above mentioned company. Therefore, any inserts into my credit profile are considered fraudulent and unauthorized.
Consumer complaint received 2022-01-06
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 account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2017-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Their are XXXX hard inquiries on my TransUnion and XXXX on my XXXX Credit Report and that I have not authorized and am not even familiar with. I have contacted TransUnion and XXXX and I have also contacted each creditor individually. Nothing is being resolved or removed!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XXXX XXXX Bank Account # XXXX. 

XXXX XXXX Bank is reporting to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX Bank have reported my private information without my consent. XXXX XXXX Bank actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX Bank have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX Bank has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Bank Account # XXXX.
Consumer complaint received 2017-11-29
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. (FL)

I sent letters to Equifax, XXXX, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This consumer : 1. Attempted to login to his Transunion account to review status. 2. Login, and or, password was not recognized. Consequently, this consumer is routed to a page asking what is the consumer 's high school mascot name and what is his email. I provide the right information. However, it kicks back as wrong. 3. I am routed to an off-shore XXXX XXXX XXXX number. 4. I call that number. The Transunion representative can not access my information. and suggests I email my state or federal I.D . I email my state I.D . 5. I call back. This time, the Transunion representative states that my only option is to go to XXXX. I explain that under XXXX and state consumer protection law, Transunion is obligated to do much more than that. 5. I am switched to a supervisor who says that Transunion is not even obligated to do for this consumer what was already stated in previous conversations. So, erroneous information remains on the Transunion report for this consumer. This consumer is left with no material way to correct or mitigate this problem. I and millions of American consumers are adversely impacted by the conduct of information barons like Transunion. Credit reports impact an American consumer 's ability to get a job or housing. Transunion can hurt families in this regard. Currently, it appears that I have identity theft and a false record issues with Transunion. I have collections that are not mine. I have access or profile information that is not correct. Transunion is refusing to make resolution possible or easy.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GLOBAL PAYMENTS DIRECT INC. (MI)

I'm enclosing copies I made two separate deposits on XXXX XXXX XXXX of XXXX on XX/XX/1923 the money was taken out of my acct and om XX/XX/XXXX it was done again. I called global payments and was told my bank refused incorrect o ask in addition why they can't see in there system They collected XXXX not two payments totaling XXXX
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (CA)

I was alerted by XXXX XXXX because my identity was stolen on XXXX17 that XXXX XXXX had accepted a fraudulent application for credit.  Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me,  but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do.Now I have to worry that XXXX XXXX has an open application for credit that was done online by a thief using my ssn, dob and full name.HELP! They should not be allowed to keep that account open that is FRAUDULENT.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: INVESTORS BANK (CA)

Dear Sir/Madam, I 'm very frustrated with Investors bank. I have had a relationship with them for 10 years and they chose to close my checking account after 2 months of no activity. 

I have consistently used that account the last 10 years, to make periodic deposits and to make occasional principal reductions to my mortgage. On XXXX XXXX I made a transfer which processed, and then one in XXXX and XXXX, which were both returned since the account was apparently closed. When I called the bank I spoke to XXXX, and she said the bank should have called or emailed me a notification about the closure, and she would look into it. She called me the following day and advised that they can close the account at their discretion, and never provided me an explanation. I asked to speak to a supervisor, and I spoke to XXXX. She promised to look into it. It has been 3 weeks and I have not heard back. I called and left a message for her on the XXXX. 

My mortgage is paid promptly, and it would be nice to understand why my account was closed without notifying me. The only reason I can see is that their new accounts charge fees, and they want to migrate their clients to those more profitable fee based accounts. 

Does n't feel like IB really wants my business. 

Thanks so much for your assistance. 

Kind regards, XXXX