davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Consumer complaint received 2023-04-05
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. (CA)

I XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies XXXX, and Equifax. It has been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make it clear that this Identity theft was not made in error by me, a consumer, as stated in 15 USC 1681c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from Equifax and XXXX reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law.
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (MD)

The Following Inquiries Where Not Authorized By Me. 
XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX AUTO, XX/XX/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 ( Bank ), XX/XX/XXXX XXXX XXXX XXXX XXXX ), XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ), XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ), XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XX/XX/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, XX/XX/XXXX XXXX
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: SANTANDER HOLDINGS USA, INC. (ND)

On XX/XX/XXXX, I received a refund letter on a debit card from Chrysler Capital with an amount {$400.00} and I would like to request an exchange for a check. I will appreciate it. Thank you. 
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have 2 disputes with 2 of my credit cards with Capital One, per regulation Z and ZZ of the fair credit act they chose not to follow and defend me with the requested documents they requested me to provide, I call and they are spinning there wheels which contradicts there own black and white letters. XXXX ) Case # XXXX for {$110.00} XXXXXXXX merchant voided a transaction and does not have a sign slip for the transaction on card XXXX. Case # XXXX for {$120.00} XX/XX/24 card ending XXXX, this transaction was voided by XXXX due to suspect of fraud, and they cancelled the purchase 8 times. But they charged me 1 time. I have asked for this items to be credited or redisputed to the merchant in good faith to me the cardholder. I pay capital one all the time I do not deserve this. Capital One is notorious for not doing the right thing in disputes and ignores important details with offshore agents that do not know how to dispute items in a attempt to wear people down so they do not persue the claims.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX has failed in their obligation to limit furnishing on a consumer report with verification of verifiable documentation of written instructions of whom the consumer relates I am asking for verifiable documentation of written instructions of whom the consumer relates 15 USC 1681e compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 USC 1681i Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.
Consumer complaint received 2022-07-13
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)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 


XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC. (TX)

When the initial federal student loan pause was commenced i continued to make voluntary payments until around XXXX of 2021 when I was made aware that i did not have to make the payments and in fact could receive a refund for the voluntary payments i had made since the pause had began. The refund amount was sent for {$1700.00}. My Loan servicer, XXXX company, sent out the refund check and it was lost in the mail. The loan servicer required 90 days to elapse before a new check can be issued. After the 90 day wait time a new check was issued however this check was intercepted and fraudulently cashed.XXXX XX/XX/2021 I cooperated with the loan services providing an affidavit that was notarized indicating that I am willing to press charges to the fullest extent of the law against whomever fraudulently cashed my check as well that i was not involved. This process with XXXX was initiated almost a year ago approximately. I spoke to XXXX XXXX XXXX and his supervisor XXXX and explained my situation. XXXX advised me that i need to contact XXXX company 's bank, Frost bank for additional information. I did reach XXXX XXXX ( relationship XXXX at frost bank ) I again explained the situation and was advised that now XXXX XXXX XXXXXXXX  ( where the funds were fraudulently cashed ) is causing the delay in the fraud investigation. Again it has been over a year with no response from frost bank or XXXX XXXX XXXX I have maintained communication with both frost bank and XXXX company throughout this process via email and telephone calls leaving voicemails and never hearing back. XXXX company contact number XXXX Frost bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont have information for the XXXX XXXX loss preventention department. I am not an account holder with Frost Bank
Consumer complaint received 2022-07-13
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: SYNCHRONY FINANCIAL (LA)

I was making a purchase at Banana Republic Factory in XXXX, Louisiana on XX/XX/21. The Sales Representative suggested using my existing Banana Republic credit card in order to earn rewards points. I opted to use my personal general credit card. The Sales Rep persisted in using my XXXX card, so in order to finish the transaction I used my XXXX card. The system did not receive/invalidated the card. I then countered to again just use my general credit card. The Sales Rep kept insisting, and had me call Synchrony Bank ( operating the XXXX credit cards at that time ) in order to verify my XXXX cards validity. The Bank confirmed my card was valid. After trying to swipe/tap my XXXX card again, it declined. The Sales Rep then came up with the reason that XXXX was switching banks and that affected my cards validity. She insisted that she can assist in locating my XXXX account to charge the purchase. At this time I insisted again to use my personal general card. She insisted it will take only a few minutes. After a few moments, she asked me to provide my personal information into the system she was using to locate my information. I asked to confirm that she is locating my existing card, and that this action will not affect my credit report. She said no. I asked 2 more times as she continued to verify my information that this action will not show up on my credit report. She said no. Finally, she called the bank in order for me to verify my Social Security Number, and I asked the phone representative that they are able to see that I already have an existing card and that this is the same account I am trying to access for this transaction. Phone rep said yes. After I confirmed the final piece of information with the phone rep, I was congratulated for my new account. At this point I realized they ( Banana Republic under Synchrony Bank ) opened a completely different account/card under my information. The Sales Rep was dumbfounded as I repeated the confirmation that a new credit card account was indeed opened on my behalf without my consent. I ordered the phone rep to cancel the transaction, but she said she could not and will need to just close the account. At that point, that was my only choice. The Sales Rep did not take responsibility and blamed the training team/material for the grave mistake. I repeated that is why I asked multiple times if this would reflect on my credit report, as well as using my existing personal credit card. Now I had both a hard inquiry and closed account inaccurately recorded in my credit report. 

I have attempted to file this incident with XXXX, XXXX, and XXXX. They conducted investigations that all lead to confirming the incident as a valid transaction and have recorded the opening and closing of a second Banana Republic credit card that I did not authorized and was defrauded by the company to open.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report is showing XXXX XXXX XXXX ( XXXX XXXX apartments ) is reporting fraudulent information on my credit report. This account is preventing me from fair housing. Why should I be homeless because of this harmful information. The address that they have on file is not my address.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have recently reviewed my consumer report and there was several inaccurate information listed as personal information that does not belong to me such as spelling of names, unrecognizable addresses and phone numbers. I sent a communication on XX/XX/22 to Experian with written instructions Pursuant to 15 U. S. Code 1681a ( d ) ( 1 ) to have it removed. The names are XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. The addresses are XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. DO NOT CALL XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. The Phone numbers are XXXX. XXXX XXXX. XXXX. This inaccurate information is still on my consumer report after allowing 30 days to have this issue resolved.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # 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 that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a new account with Citibank on XX/XX/2022. On XXXX XXXX I went into a branch to deposit a payroll check ( XXXX ). On XXXX XXXX I deposit another payroll check ( XXXX  ) in the morning through mobile deposit. Shortly after I was locked out of my account without explanation. Around XXXX I called customer service to get helped into get into my account. I was then notified that my account was flagged for fraud and they need to contact my employer to verify the check. I provide my employer 's information, Citibank called and was able to verify the check. That was the only concern they stated, and reinstated my account but I was still blocked from my account? I had an available balance before I submitted the mobile deposit and I was denied access and my debit card was deactivated. After several hours of trying to get information on my available balance, I was told to call back on the following day, Saturday XXXX XXXX for better assistance. I was very confused on why my available balance was on hold if the check was verified. According the FDIC and the Citibank Branch Manager, checks are held up to 7 business days. And I should have been notified about the hold for verification, which I not. 
On Saturday XXXX XXXX I called and spoke to someone named " XXXX XXXX who stated she was a Fraud Analyst and she gave me information on my account. She stated that my account was reinstated and I was able to go to a branch to withdraw my available balance and obtain a temporary debit card. When I arrived to the branch, I spoke to the Branch Manager by the name of XXXX XXXX. I played her my recording of the call when " XXXX '' was providing me information and stating her name and job title. XXXX then disclosed while looking at my account that I was not speaking to a Fraud Analyst and that her name was not " XXXX ''. In fact she was customer service representative by the name of XXXX. I was upset that I was lied to by a company I was trusting with my finances. I was told my XXXX to return to her branch so she could call the fraud department to get things sorted out. I returned to the branch on the following Monday XXXX XXXX. XXXX help the best she could and promised to follow up the next day. She also submitted I get a new debit card and have it expressed to me, that I should receive it on Tuesday XXXX XXXX. It is XXXX XXXX : XXXX and I have not received a debit card as promised. I am still not able to log into my account to review my account as I no longer trust Citibank. I was denied access because I do not have a debit card. I called customer service to find out when I could obtain a request form to close my account with them. I was told there are no form and Citibank does not email confirmations. All of my funds are in Citibank and I have been locked out for 5 days. I have not been able to purchase medications, food, or any other necessities for 5 days and counting.
Consumer complaint received 2024-02-09
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. (OR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

I have a situation that has been a very long process as a customer with XXXX XXXX XXXX XXXX. They are fraudulently over charging me after paying the full complete amount after taxes that the cars cost. Repossession has happened over the amount times possible. They have been very apologetic and they havent won XXXX hearing regarding this investigation regarding my properties. Some how they have been using co- signers to accomplish criminal activities through their dealership. I was A former employee. Before these events occurred. They have been trading in their Personal own vehicles making contracts. 
Destroying the evidence for their to use to approach them. Repossessing and refinancing. Creating loss of property and Money for long that people who have experienced this situation need help with this problem I saw it I experienced it and I to confront them as soon as a date court becomes available. Or what I can do from this point is possible were ever I can address it. I had to investigate this situation for years since I identified with what was going on. It cost so much money that I have bring it to an authority. 
That can resolve these matters. 

So please be aware not to ignore your approach regarding this information. 

Please contact me regarding my report # XXXX XXXX P.S, Thank you for your time. 
XXXX  XXXX XXXX XXXX XXXX 2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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. (GA)

In accordance with the Fair Credit Reporting act. XXXX & XXXX and 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 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 2022-07-13
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. (UT)

After pulling my report, i decided to dispute error/incorrect information on my report to TransUnion, and XXXX on XX/XX/2022. its already been 30 days since i sent the first letter of dispute and they have not reached out to me on updated progress/results. The 2nd letter was sent on XX/XX/2022, requesting updated progress/results ; still no response on their end.