davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 relating 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 2020-07-09
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: Experian Information Solutions Inc. (TX)

Company or Organization : XXXX XXXX XXXX Account Number:XXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened up a suntrust account on XX/XX/XXXX online and was granted a checking and savings account. Then on the following day when I tried to access my account through the suntrust mobile app I was denied access to my account. I soon contacted customer service to find out the problem and was told that my account was closed and that they couldnt give me a reason why.
Consumer complaint received 2020-10-09
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. (TX)

Attached is XXXX XXXX letter stating account ending in XXXX was not displayed on my credit report Attached is Experian credit report reflecting : o XXXX  XXXX Count starting as XXXX, {$1700.00} Balance o Another Experian credit report reflecting the account ending in XXXX, Balance {$1700.00} o Another Report reflect account number as XXXX, {$1700.00} Balance These are the same account, same amounts, different numbers, and should be removed immediately. 

The Experian credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On numerous occasions since XX/XX/2019, I as well as several other mutual customers have attempted to do a wire transfer and ACH transfer to XXXX XXXX  in XXXX XXXX, NV at routing # XXXX and Bank of America continues to deny that it is not a valid routing number and will not make the transfer causing huge conveniences to myself, other customers and XXXX XXXX  staff. XXXX XXXX  if a federal insured domestic financial institution and XXXX is a valid, funds receiving XXXX with the federal reserve. BofA refuses to update their database or acknowledge when provided details that this routing number is accurate. BofA customers are unable to transfer THEIR money to XXXX XXXX  because of this issue and have to find other means to transfer the money at much higher costs. I have spoken to representatives at BofA and asked for this to be escalated to the technology department and they refuse and just tell me " The system doesn't recognize it. There is nothing I can do '' which is ridiculous. All Bank of America needs to do is have their technology team update their database to recognize XXXX XXXX  and routing number XXXX and this will solve many headaches.
Consumer complaint received 2020-10-09
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: Finance of America Holdings LLC (WA)

Im looking to buy a house and have been working with a lending company. In XXXX they pulled my credit with my consent and provided me with a pre approval. I had some debt in my revolving accounts that I have since payed off. I reached out to my lender asking now that I have paid some of this debt off. Was there a way to see if that would reflect positively on my credit WITHOUT a second hard inquiry. The lender said one moment and next thing I know I get a notification the my credit was pulled from two agencies. I informed the lender that this was an unauthorized inquiry and her response was Im sorry there is nothing I can do.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I asked for a {$250.00} increase to my mastercard issued by Capital One which has a {$750.00} limit. This increase would have increased my credit from {$750.00} to {$1000.00}. I received a letter that my request was denied because I only make {$25.00} minimum payments each month This is not true because I make {$100.00} payments each month and have never missed a monthly payment. These {$100.00} payments alone should have qualified me for an increase. Also, the letter stated that my existing credit line has been too high. However this is why I asked for the increase because a {$750.00} limit is insufficient. I am an XXXX-XXXX  female age XXXX with an annual income of {$94000.00} per year from my retirement.
Consumer complaint received 2020-10-09
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. (NJ)

i called XXXX and told them i was on defermement when i had covid they reported me late and it was their fault. they said they would fix the problem on all 3 bureau
Consumer complaint received 2020-10-09
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. (WA)

Im looking to buy a house and have been working with a lending company. In XXXX they pulled my credit with my consent and provided me with a pre approval. I had some debt in my revolving accounts that I have since payed off. I reached out to my lender asking now that I have paid some of this debt off. Was there a way to see if that would reflect positively on my credit WITHOUT a second hard inquiry. The lender said one moment and next thing I know I get a notification the my credit was pulled from two agencies. I informed the lender that this was an unauthorized inquiry and her response was Im sorry there is nothing I can do.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (TX)

Opened an account online with Truist Bank on XX/XX/2023. 

On XX/XX/2023 I attempted to login to account but got a messaged saying the following : Account locked - your online access has been restricted for security purposes. To resolve this issue, please contact the Truist Contact Center at XXXX. 

I called the number and the representative told me to contact their fraud department at XXXX. I called the fraud department and they told me they could not provide any information to me, that I had to visit a local branch to get more information. Problem is that there is no local branches near me. Closest branch is about XXXX miles from me. I told them this info and rep basically told me to call the branch and see if they can help. I called the branch and they told me they could not help me with this request, that I need to contact the fraud department. 

Really disappointing experience and I had just enrolled my direct deposit to this bank and I am not able to access my money due to the unprofessional services provided by this bank.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid 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: REGIONS FINANCIAL CORPORATION (SC)

On XX/XX/2020, I purchased a product from XXXX on line for {$100.00}. It was an electronic exercise machine that was advertised by XXXX that included exercise bands. When I received the device, it did not have the exercise bands. I contacted XXXX and they said the device did not include the bands. The advertisement clearly stated the device did indeed include the exercise bands. I shared this with XXXX and my credit card company. As of today, I have not paid doe the device as I filed a dispute on XX/XX/2020 to which I have proof.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (AK)

I owned a house in XXXX, on the XXXX XXXX of Hawaii in XXXX. In this house, I had XXXX XXXX XXXX to tv and internet. 
Due to the volocano and fire, the house was destroyed and currently and as in XX/XX/XXXX, the property was covered in 80 to 100 feet of lava. There is NO way to get to Property, Everything was Destroyed. 
I was in contact in XXXX and XXXX with XXXX  regarding this. 
The cable box was burnt up and destroyed which I believe is the basis of this bill they say I owe for {$280.00}. XXXX  told me that I would Not have to pay for this and they would take care of this. Many, many phone calls, this continues to be a problem. 
The collection agency contacted me last year. I wrote them a explanation on this problem and they said they would take care of it. 
Since XXXX  told me I would not be responsible for owing or returning this equipment, which COULD NOT be returned, due to this Natural Disaster, I am asking to have this removed from my credit report. 
It is a small amount of money and I have in Good Faith, followed the procedures and talked to XXXX  over and over about this. 
This lava flow with a Federal Natural Disaster and is widely known to have occurred About 720 houses were taken out, I personally had 2 homes lost, only one have XXXX XXXX. Address of property involved was at that time, Before Lava : XXXX XXXX XXXX XXXX, XXXX, HI XXXX, owners. No address, no access, no mailboxes, nothing Left, except for the presumed 80-100 feet of Lava covering Everything. Please help me resolve this, nothing else has seemed to work and what they told me and what happens are two different things Thank you
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a XXXX  and veteran. I live with my parents. I do not pay any bills ; therefore, I seldom check my account. When I did check my account, Bank of America had allowed fraudulent transactions totaling {$6200.00}. These transactions were during the months of XXXX, XXXX and XXXX. 
I put my money into Bank of America thinking it would be SAFE and that they had my best interest at all times. They allowed 5 to 10 transactions per day without ever contacting me. This is poor banking practice. Why didn't Bank of America help me protect my money? These are all fraudulent charges. Bank of America referred me to XXXX since all payments were made to XXXX. XXXX said Bank of America should pay because they allowed the deductions. 
Bank of America NEVER called, emailed or sent any notifications of possible fraud alerts.
Consumer complaint received 2022-08-15
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. (TX)

Hi I am submitting this XXXX XXXXXXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-09
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. (TX)

Attached is XXXX XXXX letter stating account ending in XXXX was not displayed on my credit report o Attached is Transunion credit report reflecting XXXX  XXXX account ending in XXXX o Another Report reflect account number as XXXX. A o Attached XXXX  credit report reflecting the account ending in XXXX These are the same account, same amounts, different account numbers, and should be removed immediately. 

Transunion credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX  XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also
Consumer complaint received 2020-10-09
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. (CA)

THIS IS NOT A DUPLICATE. TRANSUNION REFUSES TO ADDRESS THE FACT THAT THEY HAVE BROKEN THE LAW. THEY HAVE 30 DAYS TO INVESTIGATE A COMPLAINT. THEY INVESTIGATED AFTER THE 30 DAYS WAS OPEN. THE USPS VERIFIES RECEIPT OF ALL DOCUMENTS.
Consumer complaint received 2020-10-09
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: Experian Information Solutions Inc. (NC)

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i XXXX XXXX have the right to dispute anything inaccurate by law
Consumer complaint received 2020-10-09
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)

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i  XXXX XXXX have the right to dispute anything inaccurate by law
Consumer complaint received 2021-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information has been comprised due to identity theft. I don't know how the thief was able to gain access to my personal information and use my name without me even knowing about it. I'm getting threats from people I don't know and it frightens me. However, due to covid along with being a XXXX  survivor I'm dealing with a lot of stress in my life. I even went to the police and filed a police report I don't know what else to do.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Credit Card company closed my accounts while I was in XXXX over a mistake that was made by them. They said they didn't receive a {$100.00} dollar payment and it was reversed then repaid and the payment clearly shows up on XX/XX/XXXX on my account, shows they received the money but they for three months claimed they were working on it just for me to find out they lied and the accounts have been closed since XX/XX/XXXX. They have lied, taken money without authorization and also tanked my credit score while I was applying for a Small Business Administration Loan,  costing me likely {$10000.00} while I was on my way to XXXX to do my job as a XXXX  XXXX. They have given someone not on the account information that should not be given out to anyone but the account holder as well. This is obviously a violation of my privacy, this has been happened since around the XXXX of XXXX and is still currently going on. I have called repeatedly and have ben lied to every time.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XXXX  XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update to my full legal name : XXXX XXXX XXXX Please remove all other names or alias such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XXXX CC : Driver License CC : Bank Statement Address
Consumer complaint received 2020-10-09
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. (NC)

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i XXXX XXXX have the right to dispute anything inaccurate by law
Consumer complaint received 2020-10-09
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. (TX)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX   XXXX  ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX  XXXX Inaccurate DEPTEDXXXX XXXXXXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2020-10-09
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. (NC)

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i  XXXX XXXX have the right to dispute anything inaccurate by law