davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (AL)

Yes Im trying to file a complaint about this Equifax to remove an account off my credit report which is XXXX XXXX this account was removed XX/XX/2022 XXXX XXXX  really reinsert the account back on my credit report that a violation of the FCRA occurred without proper notification to me of the reinsertion. I didnt get any written notice about this account being place back on my credit report under the FCRA they must inform me that this account will be place back on my credit. And I havent gotten nothing from them by mail not only didnt I receive Anything but they put the last reporting date on my credit file as if it was reported the same day that they put the account back on my credit report under the FCRA once an account is closed its against the law to still be reporting on my credit report so please remove this account from my credit report because its is against the law to reinsert an account back on my credit report without notify me and its against the law to update and change the last reporting date to XX/XX/2022 when that is wrong and this account is closed by law you suppose to inform me about this matter this account was blocked from my credit report if Equifax cant send me any proof that this account has the right to be on my credit report without reasonable doubt I will file a lawsuit against Equifax information service under the FCRA once and account has been removed it doesnt suppose to be reinsert Equifax yall has violated my right I havent gotten any thing in the mAil from yall company about this account being reinsert Im gone give yall 15 days to correct this account by removing it from my credit report if not I will be filing a lawsuit against you Thank You
Consumer complaint received 2022-04-28
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. (MI)

I have tried numerous time to contact Transunion about their inaccuracies, but it seems like they give me some automated response. I have contacted their data furnishers and requested them do investigation of the inaccuracy. The data source provider concluded after their investigation their was inaccurate information on my consumer report. They remove and provided me with corrected report. What bothers me in this situation if they are going use a third party for verification both parties have to keep a true and facial record that must have consistence and precise with each other.
Consumer complaint received 2021-04-02
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. (NC)

The following companies used my credit without my consent : XXXX XXXX, personal Inquiry date : XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WI)

I purchased a computer with a citi bank/Best buy credit card in XXXX and paid it off within the promo period in XXXX, my account was hacked and there were several fraudulent purchases. Eventually the charges were removed and I closed the account. Now, I'm having issues buying a home because they are still reporting late payments from XXXX on my credit bureaus. Ive called Best Buy numerous times over the last 3 months to get this resolved. Nothing has changed on my credit report and they refuse to provide a letter stating that there were no late payments. They directed me to have the lender call for a verbal confirmation but wouldnt provide a direct number.
Consumer complaint received 2021-05-25
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. (TX)

I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2021-04-02
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. (NC)

I contacted all three bureau 's, XXXX, Transunion, and XXXX  previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.
Consumer complaint received 2020-10-27
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. (FL)

I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : XXXX : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (FL)

Ally Bank refused to accept my dispute of $XXXX  dollars for an ATM transaction. They went ahead and reversed the credit previously issued. When I asked them to provide paperwork to substantiate their investigation, they retaliated and did not like it and decided to close my account. So far I have not received any paperwork on how they came about to their conclusion that the ATM transaction was valid. I never got the cash and disputed the transaction. I have been with Ally bank for more than 10 years and I have never complained to them or had many disputes. I believe Ally bank did not have any paperwork to provide and instead decided to close my account without an explanation. I believe Ally bank is not providing proper banking rules and should be fined. Today I received a letter to my surprise that my account would be closing on XX/XX/XXXX. I have started withdrawing my funds of almost XXXX to avoid any issues but would like this bank to be fined or investigated. For a simple $XXXX dollar dispute that they could not come up with an explanation they decided it was best to let me go and did not provide any documentation that there investigation was valid. I think they are lying and don't have nothing to provide and instead committing fraud and breaking the rules of the banking industry. They were trying to kick me out and silence me without saying nothing. But now they will have to give an explanation of what happened and why they decided to close my account. Also something I would like to add is that this bank lowered their interest rates where it used to be at 2.20% and now I believe is 1.9% and I did get notified until months later. They don't follow proper procedures. I called them and asked them what their rate was one day and to my surprise it had gone down. I had an issue also with this bank in XX/XX/XXXX when they also refused to honor my dispute and delayed the process for 6 months until I complained. This bank does not follow proper rules. I have copies of all correspondence for your information as evidence. I will provide copies of paperwork at a later date to give me time to gather them.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OK)

I have an account with Wells Fargo which can not be closed and the reason is the company will not answer calls from me when trying to close this account. I have been trying for several months and have decided they are doing it deliberately. Now They say I am overdraft but I shouldn't be, as I had no option to close the account in XXXX, OK as there are no locations here.
Consumer complaint received 2022-04-28
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. (NV)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that the XXXX  XXXX account was properly investigated and verified on several occasions ; but how is this possible if the Date Opened, High Credit, Date Last Active, Two-year Payment History and Comments are not accurate? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Consumer complaint received 2022-04-07
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2021-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

CAPITAL ONE BANK USA N Balance on XX/XX/XXXX - {$2600.00} Account Info Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX Account type - Credit Card - Revolving Terms i submitted multiple police reports and XXXX report but company doesnt responed.
Consumer complaint received 2021-07-16
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: CL Holdings LLC (AZ)

I found several addressed several misspellings and several things on my credit that r not mine and they remain I called the company and told them to prove that I did it and call me back which they never did my phone number is different now its XXXX Also I had a fraud alert from XX/XX/2020 bcuz I knew someones been using my identity and their r many hard inquiries and things after the fraud alert was placed that shouldnt b there bcuz no one called me
Consumer complaint received 2019-08-19
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. (MS)

The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau.  XXXX XXXX XXXX / XXXX XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX XXXX, $XXXX, opened onXX/XX/XXXX.  XXXX XXXX $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX, opened on XX/XX/XXXX.  The above referenced accounts are on my credit file without my knowledge or consent.  Please investigate.
Consumer complaint received 2020-10-27
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. (FL)

There are currently numerous credit cards listed on my credit report that I did not authorize. These accounts were not opened or initiated by me and was a result of identity theft or malpractice.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (AR)

XXXX is reporting the account with NATIONAL CREDIT ADJUST inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint
Consumer complaint received 2019-06-05
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. (NV)

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

SCAMS YOU VIRTUALLY VIA INTERNET UTILIZING PROMOTIONS MANIPULATING DIRECT DEPOSITS AND HARD EARNED MONEY FROM YOUR PIGGY BANK INTO THEIRS YET HAVING THE MASTER SLAVE COMPLEX FROM THE SIGN OF AGREMENT XX/XX/2021 I SAW A {$100.00} ONLINE INCENTIVE TO OPEN A NEW ACCOUNT WITH BOA. 2 QUALIFYING DIRECT DEPOSITS OF {$250.00} OR MORE WITHIN 90 DAYS. I HAVE HAD DIRECT DEPOSITS OVER THAT AMOUNT, IVE CALLED AND WAS TOLD I WOULD RECEIVE THE {$100.00} IN XXXX OR XXXX. I CALLED LAST NIGHT AND THEY ARE SAYING THAT I WILL NOT RECEIVE THE {$100.00} SIGN ON BONUS BECAUSE I HAVE HAD A PREVOUS BANK ACCOUNT. NO THEY SCAMMED ME OUT OF MY MONEY AND USED THIS ONLINE TRICK TO SCAM ME AND NO TELLING HOW MANY OTHERS LIIKE ME, I COULD HAVE STARTED AN ACCOUNT WITH A MORE CREDIBLE BANK IF I KNEW THEY WAS GOIING TO WAIT 3 MONTHS AFTER I SIGNED AND DONE THE 90 DAYS REQUIRED FOR ME TO GET MY INCENTIVE AND TELL ME IM BOA NOT GOING TO HOLD THEIR SIDE OF THE DEAL, THEY SCAMMED ME I CALL THE BANK AND ALL I HEAR ON HOLD IS PERTAINING OT SCAMMING BUT THEY ARE THE BIGGEST SCAMMERS ... AND IM GOING MAKE SURE ALL OF MY SOCIAL MEDIA KNOW HOW WRONG THEY ARE FOR NOT KEEPING IT XXXX, LITERALLY ... I CANT BEAT THEM BUT I WILL CLOSE NOTIFY EVERYONE I CAN OF HOW THEY USE FINE PRINT TO GO AGAINST PEOPLE WHO GIVE THEM THEIR HARD EARNED MONEY TO BE DENIED FOR LOANS WHEN YOU NEED HELP BUT WE GIVE THEM OUR LIFE SAVINGS AND THEY CANT RETURN THE FAVOR OR EVEN HOLD THIER END OF THE BARGAIN FOR A PROMOTION THEY PROMOTE. ITS LIKE YOU GIVE BOA YOUR MONEY BUT IF ITS AN ISSUE THEY BECOME SIMILIAR TO THE OPPOSING INSURANCE COMPANY WHEN THIS IS SUPPOSED TO BE A POWER THAT WILL BACK YOU WHEN, YOU NEED THIER HELP BUT THEY ARE NOT A LOYAL BANK. AND THE MORE POWERFUL THEY BECOME THE HARDER IT WILL BECOME FOR THE ONES THAT HELPED THEM BY DIRECT DEPOSITS INVESTING THE PEOPLES MONEY NOT GIVING THEY BACK A SINLGLE CENT INSTEAD USING WAYS TO TRAP THEM BY OVERDRAFT AND DESTROYING PEOPLE THAT HAVE MY SKIN TONE ... BOA AUTOMATED SERVICE SAY THEY PREVENT SCAMS NO THEY HAVE MASTERED IT ... ..A DECEPTIVE ORGANIZATION WHO DONT DESERVE TO GET MILLIONS OF PEOPLES MONEY AND MAKE IT 10 TIMES HARDER TO BORROW A SINGLE DIME FROM THEM YET GREET YOU WITH OPEN ARMS TO ACCEPT YOUR MONEY ... YOU, I AND MILLION OF PEOPLE ARE SCAMMED AND PROGRAMMED JUST BY WATCHING A COMMERCIAL OF BOA, THEY GOING INTO THEIR BANK AND OPENING AND ACCOUNT. LET ANYTHING GO WRONG WHERE YOU BENEFIT I GUARANTEE THEY WILL USE FINE PRINT THEN BECOME THE OPPOSING INSURANCE COMPANY WHEN JUST LAST FRIDAY THEY ACCEPTED YOUR WHOLE CHECK..DONT ALLOW BOA TO BECOME RICHER UNLESS YOU THINK BOA WOULD DO THE SAME FOR YOU ....
Consumer complaint received 2021-05-25
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. i submitted the documents on XX/XX/21.
Consumer complaint received 2021-05-25
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. (NJ)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-04-28
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. (NV)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that my account was properly investigated and verified on several occasions ; but how is this possible if the Account Status, Date Opened, No of Months ( Term ), Last Reported, Date Last Active, Date of Last Payment, and Payment History are not accurate? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm a Single Father and i attempted to finance a home for me and my family and i could not because of my credit. That inspired me to check my credit and i saw a lot of fraudulent items I did not authorize.