davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I went to SunTrust on XXXX XXXX in XXXX. I planned to open a joint checking/savings account. One of the credit reports was locked so I left and came back to the bank to finish it on XX/XX/XXXX. The bankers name is XXXX XXXX. 
I gave XXXX {$2000.00} in cash and a {$9000.00} cashiers check from XXXX, having closed an account and received a cashiers check. I received a receipt for the deposit. XXXX mentioned that cashier checks can be held for a few days. 
Id specifically mentioned that online access was very important. I established the online account Friday night, XX/XX/XXXX. I was able to log in to the account and access it. The next time I tried to sign on and every subsequent time I am told that it's unable to access site, as if its offline. 
I went back to the SunTrust branch where I was told the account was locked and the cashiers check was on hold. I told them that I just wanted to close the account. They said they had to do an investigation but refused to tell me anything about it. And I was unable to close the account. 
I tried calling Suntrust Customer Service and go through the SunTrust help desk a few times but kept getting kicked to the back of the queue or disconnected after 20-30 minutes on hold. 
The email 's I have received from Suntrust keep telling me to log on to my account to find out the status of my account, but I am unable to log on to my account since I appear to be locked out. 
I got a letter from SunTrust saying the cashiers check funds would be available XX/XX/XXXX. 
I got a phone call from SunTrust representative XXXX XXXX, Client Advocacy, who said that XXXX XXXX would be assigned as the case manager, and I would receive a call from her concerning the status of my account within 15 days. XXXX has not called. Then I received a letter from her saying she has tried to contact me but was unable to reach me, and the phone number to call her. I have called the phone number many times and even called XXXX XXXX back. I have the phone records. As of XX/XX/XXXX, I have called XXXX 10 times, XXXX twice. Never able to talk to anyone, always have to leave a message. Not once have I received anything from anyone. Silence. 
SunTrust has had my money for more than a month. They refuse to answer questions, refuse to say when my money will be returned to me. That no one will tell me what is going on and when I will get my money returned, this is just wrong. That I can't get anyone from Suntrust to talk to me about this is the most confusing and aggravating ordeal I have ever gone through.
Consumer complaint received 2021-11-01
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. (AL)

XXXX XXXX XXXX is a loan Company on the XXXX XXXX or New Mexico. I reached out to this company via email and CFPB and advised that this is not by debt and ease do their due diligence and investigate. This account was open on line in my name. This is not my debt along with several other fraudulent accounts. I contacted my local police department and filed idenity report as well im also aware that my information has been found in several data breach and im asking to either validate show proof this is my debt or remove immediately from my credit file. I will notify the FTC to step in if necessary.
Consumer complaint received 2021-11-01
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. (AL)

XXXX XXXX XXXX is a loan Company on the XXXX XXXX or New Mexico. I reached out to this company via email and CFPB and advised that this is not by debt and ease do their due diligence and investigate. This account was open on line in my name. This is not my debt along with several other fraudulent accounts. I contacted my local police department and filed idenity report as well im also aware that my information has been found in several data breach and im asking to either validate show proof this is my debt or remove immediately from my credit file. I will notify the FTC to step in if necessary.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I was in the United States XXXX and I was stationed in XXXX, XXXX from XXXX to XXXX. When I was given XXXX orders ( XXXX XXXX XXXX XXXX ), I brought a copy of my orders to XXXX and paid my last phone bill before closing my account ( around XX/XX/XXXX ). I got to my new unit in late XX/XX/XXXX, in XXXX XXXX. On XX/XX/XXXX, I checked my credit report and saw a collection agency had a debt listed for the XXXX bill. I called the agency and paid it again, just incase maybe there was anything else due that I missed. The agency wrote me an email as proof that I paid so I wouldn't have to deal with the collection ever again. Since then, XXXX has been spamming my credit report with collection agencies to get an additional {$220.00} from me, in XX/XX/XXXX, and also now ( XX/XX/XXXX ). I refuse to pay a debt I don't owe. I don't exactly know what to do but I am beyond angry with them for continually trying to use my credit report like a hostage to get money from me, especially since I always pay my bills on time, in full ( and, for example with my car, I pay way more than the minimum due ; I'm 3 months ahead on my car loan. )
Consumer complaint received 2021-11-01
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. (MD)

i Have sent Transunion over 20 letters regarding fraudulent inquires & they send me letters back saying, that i need to reach out the creditor directly, i sent the letters to each creditor directly every 30 days for the last 4 months with no response. Transunion is the only company that responds but they say to reach out to creditor, i have ask Transunion and each creditor to provide me with written consent or a signature proving that i indeed made these inquiries and both companies fail to provide me with this data, therefore i would like these unauthorized inquires removed immediately. I have also spoken to over 20 representatives at Transunion about this matter and none of there representaves will help me with this problem. each inquiry is unauthorized by me and i did not authorize any of these inquires. 

inquires XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
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: Bread Financial Holdings, Inc. (NY)

I have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on BK OF AMER ( Account no. XXXX ) Also, I tried contacting the Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/2021 I noticed that XXXX XXXX ( they finance my vehicle ) took a payment out twice. I notified Bank of America, they told me there was nothing they could do. My account clearly went negative due to this. No one has done anything for me. Ive been dealing with this ordeal since then and I need help.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (GA)

My background check was inaccurate. There was a MISDEMEANOR charge from XXXX Oklahoma that clearly states it is in Oklahoma that was put under the XXXX County, GA section. This charge was used as a " discrepancy '' even though first if all, I was not asked in the background questionnaire to list my misdemeanor charges, only felonies, and second I listed that I have no charges in Georgia because I do NOT! This charge clearly states it is in Oklahoma! All of the other information and charges were marked as " eligible '' except for THIS charge and as a result, I was disqualified for employment unfairly and was discriminated against for a criminal charge that is also clearly over 10 years old! This charge is from 2008! I authorized a background check with this SAME third party, First Advantage, with the SAME information about my criminal past that has NOT changed and has been clean for over a decade for the XXXX XXXX and PASSED directly after this check was run. All charges were placed in the correct section for this check, though, and I was not discriminated against for ANY of my charges. Yet the job with XXXX paid less and was not the position I wanted. This is unacceptable and wrong!
Consumer complaint received 2021-10-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This letter is in dispute of the XXXX XXXX 30 days late payment that has been reported for XX/XX/2021. 
XXXX XXXX has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that XXXX XXXX did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the XXXX XXXX finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was XXXX XXXX issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that XXXX XXXX lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.
Consumer complaint received 2021-07-13
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 (CA)

Paypal limited/locked my account with a balance of {$3100.00} for over 180 days and then sent an email that I can withdraw the pending balance. I contacted PayPal customer support about the issue and they claim to have lifted the limit, but it's a lie. On XX/XX/2021, I unsuccessfully tried to withdraw the amount, getting an error that my account still has issue.
Consumer complaint received 2021-10-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is in dispute of the XXXX XXXX 30 days late payment that has been reported for XX/XX/2021. 
XXXX XXXX has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that XXXX XXXX did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the XXXX XXXX finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was XXXX XXXX issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that XXXX XXXX lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.
Consumer complaint received 2021-10-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is in dispute of the XXXX XXXX 30 days late payment that has been reported for XX/XX/2021. 
XXXX XXXX has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that XXXX XXXX did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the XXXX XXXX finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was XXXX 's issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that XXXX XXXXs lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.
Consumer complaint received 2021-10-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a complaint against the rip off companies XXXX, Transunion and XXXX. It is ridiculous that I have sent 2 letters on XX/XX/21 and XX/XX/21 and still have not received notice that a investigation has even started nor have I gotten any resolution! In my letters it details my disputes about the falsely inaccurate accounts on my Credit report that have been reported by these companies. The negligence I have experienced as a consumer isn't right and I just want to be treated fairly as the FCRA laws permit me to, I come to the CFPB as I need help to be properly addressed in my dispute and not ignored for almost 6 months. 

I want original documentation to be provided by these companies to support their claim to be supposedly reporting accurate Information. Failure to do so should result in deletion of the accounts and false late payments found on my report. Failure to mark these accounts " in dispute '' on my credit report is a FCRA violation along with not responding after 30 - 45 days is ground to have these accounts removed alone! I will sue if I am taking Advantage of further!
Consumer complaint received 2021-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (IL)

XXXX XXXX XXXX XXXX has been a thorn in my side for many, many years. Their staff & collecting agencies don't know what they are doing, how to run insurances, nor are they properly trained, and their medical practices & procedures go against common medical laws, bordering on medical negligence e.i. life threatening & damaging. It's NOT my fault they refuse to or maybe they just don't know how to run/bill the insurance properly, so I shouldn't have to pay for their wanton thoughtlessness. 
Now, I have 3 types of insurance, and XXXX XXXX has ALL OF Them on file.. XXXX, XXXX and something called Qualified Medical Beneficiary ( QMB ) Program. I will attatch those pictures of the insurances and cards with this to prove it, and it has the dates of coverage on it, so they can't lie and say I wasn't covered or they didn't know either.. But my Children 's information is none of your businesses, therefore I will XXXX them out.. 
XXXX pays about 80 % of everything, XXXX takes care of the rest, and if by some XXXX XXXX chance something else, like a co-pay, deductible, or a coinsurance is owed, XXXX takes care of that little problem. 
So, with those facts in mind, in my conclusion : There is no way on God 's Green Earth do I owe them ANYTHING, period. Now take this off of my credit report, running my credit scores down, ASAP!!!
Consumer complaint received 2021-11-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX XXXX score that's reported by my XXXX XXXX app, showed a 17 point drop within the last 30 days. I immediately ordered my credit report from all three agencies. Upon review I noticed some account inquiries that I did not prompt or authorize. 

I did not give permission, authorization or was aware Bank of America made an inquiry pulling/reviewing/requesting my credit history/report/information, Bank of America recently ( two weeks ago ) notified me that my home mortgage loan was sold to another bank. The transfer would take in effect on XX/XX/2021. I called Bank of America on XX/XX/2021. XXXX of my questions was 'did Bank of America do a credit inquiry? ' It was stated by the Bank of America representative " no, I don't think so '. I said well it's funny around the same time the mortgage loan was sold to another bank XXXX XXXX score dropped 17 points. I was advised to request a credit report. I replied I did and low and behold what do I see. Bank of America Account Review Inquiry made on XX/XX/2021. 

I was not aware Bank of America made a credit inquiry. 
I did not give permission or authorization for or to Bank of America to perform/request/pull/search/look into my credit.
Consumer complaint received 2021-10-31
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: Experian Information Solutions Inc. (MD)

I sent the following companies : XXXX, and experian letters regarding inaccurate items on my credit report. I sent this letter on XX/XX/21 and I haven't received a response yet from either company in 60 days! I know that if the investigation isn't responded to in 30 days it should be deleted off my report but with Covid-19 into play the timeline is extended to 60 days but it has been 61 days and i still haven't received a response! I demand these be removed from my consumer report.
Consumer complaint received 2021-10-31
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: CREDIT ACCEPTANCE CORPORATION (WI)

Contacted company about an auto loan showing in my name that is fraudulent. I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal bill to compare against on my drivers license address. Credit Acceptance is based out of Michigan according to the website and this loan was opened in XXXX  XXXX they informed me when I live in Wisconsin. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.