davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX IN received a EIDL grant for my small lawn service that I currently own and operate. The loan amount was funded by through XXXX XXXX, a small lender. Being that all of my earnings were sent and deposited directly into my personal account the grant was able to be deposited there as well. Almost instantly my account was placed hold " No debits '' status. Suntrust/Truist placed an holdon my account pending the verification on the account. I submitted paperwork to the lender proving that the account was opened before XXXX XXXX, XXXX. MY account was established XX/XX/XXXX. I called the fraud department as well as visited my local branch as directed by the customer service representative. The representative that I spoke with told me that I would have to visit my nearest branch. After visiting my local branch, the local branch advised me that a bank representative needed to call in to the fraud department to verify my identity. Once at the local suntrusts branch, the representative was told the sam things that I was told, That no information can be given over the phone. This has been an on-going process. On once occasion I observed a Suntrust/Trusit customer receive the same grant that I do, he wasn't questioned his demands were met with no hesistation. I am A XXXX veteran and ALL of my XXXX payments were going to my Suntrust account prior to this incident. I will no longer be banking with Suntrust/Truist.
Consumer complaint received 2022-06-29
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 2022-05-25
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: SYNCHRONY FINANCIAL (FL)

I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Synchrony financial  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX Synchrony financial  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX 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 HARD INQUIRIES- 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 In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-20
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (NC)

Debt company, Viking Client Services, is stating that I owe an alleged debt in the amount of {$350.00}. This is completely false and they have reported this debt to credit bureaus. They have defamed my name and I am taking legal action. 

I sent Viking Client Services a Debt Validation Letter, Cease and Desist letter, an invoice for all violations, a copy of their mailed document with all of the violations listed, and a notarized Affidavit of Truth. They have yet to respond to my requests.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2021-03-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harley Davidson Financial Services Inc (FL)

XXXX is calling my home, cell phone and work phone many times a day. Sometimes over fifty times daily. The debt is over a decade old and is beyond the statute of limitations. They are threatening my family. I was told they will send the XXXX XXXX XXXX if I do not send them money.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, I requested my FICO  score for the first time this year in 2022 from all three credit bureaus. With using XXXX, none of my FICO scores were available to be reviewed by myself. I contacted XXXX  that none of my FICO scores were displayed and was directed to contact each of the bureaus. I contacted Experian on XX/XX/2022 that my score were not available, with proceeding to view the scores on Experian the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. Today XX/XX/2022 there are still no FICO scores available to me. 

Under law " 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ''
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

XXXX XXXX transferred my mortgage to BSI Financial. I have had nothing but issues with this company. First, they charged me double my PMI. My original loan said PMI was {$42.00} and I was charged {$85.00} a month from XX/XX/XXXX through XX/XX/XXXX. I complained when my PMI was not timely removed after I had paid down my mortgage and BSI refunded the XXXX payment. They said it would take 30 days to remove a PMI payment from my account. They still owe me {$42.00} for 5 months PMI overcharge. I was told it was being reviewed and would be refunded in a phone call in early XX/XX/XXXX. Its been over 30 days and nothing is applied to my account or refunded by check. Secondly, this company continually held my additional principal payments. I would mark the additional to be all principal and they would put it in " unapplied funds '' for up to 2 weeks. These were large payments so this cost me additional undue interest while I assume they made interest on my money. I think that is the reason for delays and processing that takes 30 days. Third issue is with my bi-weekly payments. I set up bi-weekly payments to avoid all the issues with not being able to get my principal applied timely and to reduce my interest and number of payments. I was sent notification from BSI that they received my application for Bi-Weekly drafts of {$1000.00}. My first draft was taken from my bank account XX/XX/XXXX. I looked at my account and the entire payment is sitting in " unapplied funds '' where it has been for 8 days with a notice my account is 8 days past due. PAST DUE??? I called customer service and was informed that the payment would stay in unapplied until they receive the second payment on the XXXX and at that time it would all be applied to my loan. I asked to speak to someone else and explained that the whole intent of bi-weekly payments was to reduce the number of months and save interest. The customer service agent repeated herself and said that was the policy and anyone else I spoke to would tell me the same. Its like the customer service reps don't even know enough to even understand mortgage loans. I didn't make a partial payment. I made a full by-weekly payment and I requested it be applied to my account retroactively so that I would receive the expected saved interest. Even the amortization calculator on my account shows how bi-weekly payments are designed to work. With my additional principal payment and bi -weekly payments I'm projected to save over {$40000.00} in interest. This company is treating the bi-weekly payment as I'm just late every month and I accrue even more interest which is the opposite of what a bi-weekly payment does. Ongoing issues with BSI financial including their inept customer service reps, their delayed response time, their fraudulent processing and mortgage lack of servicing is not only costing me financially, it is causing me emotional distress and is very time consuming having to watch-dog my account.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (MA)

Today XX/XX/23, my information was stolen and used to apply for a Barclay 's credit card. I called Barclay 's and spoke with the fraud department. They closed the account and stated they are not authorized to share the application that was submitted. 

I have the right to a copy of the application that was submitted using my information. To resolve this issue, I will need a copy of the application which includes the address and phone number provided by the individual that fraudulently opened the account. I intend to press charges.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a continuation of the complaint filed with CFPB ID : XXXX on XX/XX/XXXX. 
I would like to know why their local branch Capital One Bank XXXX XXXX XXXXXXXX XXXX, XXXX, Texas XXXX did not respond to the letter 's sent on XX/XX/XXXX and XX/XX/XXXX by our attorney XXXX XXXX XXXX as per attached.. 

I would also like to know if their customer XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX. XXXX TX XXXX and outlet Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Direct Tel : XXXX Taxpayer  Number XXXX is still a customer of Capital One bank in good standing.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The credit bureaus stated XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is not accurate, Number of months is not accurate, and account status is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2023-03-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

I have a car loan thru XXXX XXXX that is current and the next payment due is XX/XX/XXXX. The car was stolen and totaled in XX/XX/XXXX and was located confiscated by the XXXX XXXX XXXX. XXXX XXXX told me they would retrieve the vehicle from impound, auction it and put any remaining monies to the remaining amount of the loan. They advised this would be about a 90 day process. I advised XXXX XXXXl that I would continue to make my payments until the process was complete and I receive a final balance. I have paid as promised and only owed about {$500.00} total on the initial lease. I made a double payment on XX/XX/XXXX. I spoke with a representative when I made the payment and no update was given on what the final balance would be. 

I get an email on XX/XX/XXXX from WestLake Portfolio Management, a collection agency advising me the remaining amount of my lease has been sent to them for debt collection. They advise I owe {$1300.00} for a repossession. I called and verified this with them. 

I never received a letter, email or phone call from XXXX XXXX about the final amount owed. I also never missed a payment. My online account shows current as well as my credit report. 

WestLake Portfolio Management is trying to collect on a false debt and XXXX XXXX placed it there on false terms.
Consumer complaint received 2022-11-02
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-02
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: EQUIFAX, INC. (VA)

I am a victim of identity theft and have tried twice now to get my credit report corrected. However, this credit bureau refuses to correct the report in accordance with the law and has refused to properly investigate the accounts listed in the attached affidavit documents. Additionally, this bureau has not responded to my request for specifically how they verified this account with the creditor that is alleging that I owe them. 
Lastly, Equifax has a split file and refuses to merge it back. As such, they are giving out inaccurate information about me that is defamatory.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MN)

Hi. I am in day 29 of waiting for a resolution from Binance.us ( BAM Trading Services, Inc. ). They are currently holding over {$12000.00} Busd of mine ( stable coin linked to the US dollar ) in a wallet they own instead of my wallet on their exchange. I provided all relevant TX ids and proof of success to their CS department. They issued a service ticket number XXXX. After email every day and finally getting their XXXX  account to escalate the issue they responded and said for a fee of XXXX ( bitcoin ) they would extract my money and return it. 
That was over 2 weeks ago and nothing has been done. I email daily and after initially assuring me that they were working on it, I have stopped getting responses. I read other accounts of this happening and people being 90 days into their service ticket with no resolution. I just want my money back. I have all correspondence as well as traction info if needed.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I made a complaint earlier this month about an account I have gotten closed that wasn't under my name, and I completely understand why that is. But now, I have opened an account under my name and information, and after I submitted my correct Passport to the PayPal account, it got permanently shut down the next morning. I already contacted PayPal and they said they can't do anything but didn't give any reason why. Account email is XXXX and my name is XXXX XXXX. Thank you.