davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX the bank closed my account. I waited for a month for the bank to release my money by sending me a check. The amount is {$55000.00} I had a second account with them and the balance was {$100.00} this money was returned back via a check they sent in the mail. 

In XXXX of 2023 I visited the bank, and an employee called their HQ and said they are investigating. I offered any information they may need to resolve the issue. They declined and said they will notify me. I did not hear anything back. 

I called their XXXX number multiple times. After getting in touch with one of their representatives they said that I have to go to the branch, and they would be able to help me. 

In XXXX of 2023 I went to the branch and XXXX, the bank manager, was kind enough to call their HQ. The HQ requested information and I provided it to them. After a few minutes they came back that they will have an answer by tomorrow. I followed up with them after 3 days and they didn't have any information for me as to when my funds would be released. 

In XXXX I called their XXXX number again. I got in touch with XXXX, bank employee, she hung up. I called back got in touch with XXXX, bank employee, she hung up. I called back again and got in touch with XXXX, she said that a check was supposed to be cut for me on the XXXX of XXXX. She put me on hold and was supposed to get back to me to find the reason why it wasn't. She never called. 

I called back and spoke with someone and instructed me to hold so she can find the reason why my money was not being released. No surprise she hung up on me. 

PLEASE HELP to get my money back from these people. They give no information or ask any information why their holding on to my money. 

This has already been 5 months from the date of them closing my account. 

I can be reached at XXXX or XXXX XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please note, this is not a duplicate complaint and I'm not using any third party for this matter. I truly believe I'm victim of identity theft and these inquiries have been placed on my report by Fraud : : 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 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 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 Inquiry : XXXX XXXX, XXXX. 
I have filed FTC Report for this matter. 
I demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file.
Consumer complaint received 2023-03-30
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. (NC)

My name is 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 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XXXX I was involved in an accident where I had to be rushed to the hospital and soon after put under XXXX  to undergo XXXX. When I woke up I did not have my purse nor cell phone, which I found out later was stolen. I immediately contacted Huntington Bank to lock my card from my XXXX XXXX. 

The next day when I was released from the hospital I got a new phone at which time I logged into my mobile banking to find over 10 unauthorized transactions were made on my account using my debit card. I filed a police report for theft and fraud immediately after contacting the bank and disputing the charges. 

I recently found out that Huntington has denied my dispute even after providing documentation that I was XXXX during that time. I have tried reopening my dispute to be escalated within the bank with no success. 

During a recession I can not afford to just let {$4700.00} go to a scammer. I am a single mother to 5 young children and this loss will cause me to be evicted, car repoed, electricity disconnected and possibly lose custody to my children. 

Please assist me with regaining access to my funds On XXXX  I was contacted by XXXX from XXXX stating The company is refusing to honor my dispute due to stating biometric we're used to access my bank information when that is not the truth. The person who stole my phone had access to my phone code which they used to access my saved passwords and access the banking app to change my PIN code and then used my card. This is the information I was given from the police which the bank is refusing to honor. They are saying that just because I have face biometric set up on my phone that I am responsible for the thief being able to access my accounts. Which Is totally unacceptable. I have been through a tragedy and now they are causing more trauma to my life. I understand this is a large sum of money however It's my loss that I can not afford to take. They are also refusing to share this biometric history login with me at my request due to privacy reasons. But how when it's my privacy. I really need help with a resolution to this situation
Consumer complaint received 2023-04-06
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. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (FL)

Southwest Credit Systems , L.P. has made allegations about this debt for {$3200.00}. I have communicated with them via U.S. mail ( XX/XX/XXXX XXXX XXXX  ) requesting additional information. Their response ( XX/XX/XXXX XXXX XXXX  ) was a generalized statement. Therefore, I appealed with a second letter ( XXXX XXXX XXXX  ) requesting an itemized list with additional information ( delivered XXXX XXXX XXXX  ). I have received no response to the second letter and I have waited 30 days, plus an additional 10 days to give ample time to allow them to do their due diligence. I have attached all correspondence mentioned above. I have an unsubstantiated debt being reported to the credit bureaus and this is concerning to me as a consumer.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2023 a debit card that I had in my file cabinet at home, that had never been removed from the envelope and never been activated by me was used for 3 separate ATM transactions totaling over {$700.00} in XXXX, TX, a town over 100 miles from where I was that day. I saw the charges on the next day, when I logged into Regions and I immediately called my son ( this is his account and I am on the account with him. ) Regions also charged {$84.00} in overdraft fees and ATM fees. My son went to his local Regions in XXXX Alabama to file a dispute. That was almost 3 months ago. Regions is refusing to replace the money saying that someone used the actual card and PIN to withdraw the money. This is an impossibility because I went into the file cabinet when the banker told us that the card used was the one that had been issued to me. The card was indeed in the file cabinet, in the envelope from Regions that the card had been sent in. I have the card in my possession right this moment. The card absolutely WAS NOT used to make these withdrawals. We have filed 3 disputes and they keep denying the disputes, not giving us any solid reason. I have also filed a complaint with Regions but was told yesterday that NO ONE will be reaching out to me regarding this complaint. I was also told that I could not speak to whomever investigated the fraud. It seems to me that no one at Regions is being held accountable for the decision and we are getting no satisfying explanation regarding their decision. My son is a XXXX XXXX who is supporting himself while putting himself through school. This is a huge amount of money to him and in fact, it was part of his student loan for this semester. Please help us to recoup this money. Thank you.
Consumer complaint received 2023-04-06
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. (SC)

I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX, bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as XXXX, Equifax and XXXX can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new credit.
Consumer complaint received 2023-04-06
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: Foursight Holding LLC (TX)

The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are : FOURSIGHT CAPIT
Consumer complaint received 2022-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

While attempting to get a new mortgage on a new home built on the same property I was told that Suntrust/Truist held a lien on the property from the home equity loan that was taken out on XX/XX/XXXX. The home equity loan was paid in the full amount of {$4600.00} on XX/XX/XXXX. Loan payoff number XXXX was indicated on the check, this number was provided by the customer service member at the branch office of Truist. 

On XX/XX/XXXX I contacted Truist via their toll free number to initiate a lien release and provided the information needed to initiate the release. I was told that processing would take 1-3 working days. Truist did not start processing the request until the XXXX according to computer information provided by a local branch manager when I visited her on the XXXX of XXXX after numerous failed attempts to obtain information on the phone. On the XXXX the claim was 7-10 working days to finish the release Branch manageXXXX XXXX XXXX has been fantastic in contacting " the back office '' to check on progress of the paperwork but has been unable to get the processing done even by placing it on expediated notice. I was assured that the release would be processed by XX/XX/XXXX and per my county office this has not occurred. 

I requested that Truist provide my closing attorney with a letter stating that they were processing the lien release and they stated that since it was being processed that they would not issue anything until their process was completed. I am unable to close on my new mortgage and will lose the rate that I have locked in at if Truist does not process this release, costing me XXXX of thousands of dollars. 

Six months should be adequate time to process a lien release!
Consumer complaint received 2023-03-30
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. (DE)

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on the account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The list of accounts below has violated my FEDERALLY Protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX I'm looking at my XXXX XXXX credit report right now XXXX, and I Notice ALOT of thing are incomplete and NOT ACCURATE AT ALL. According to the FAIR CREDIT REPORTING ACT ( FCRA ) Whenever a Consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. ALSO ACCORDING to the IRS Canceled Debt ( CHARGE OFF ) is gross or ordinary INCOME. INCOME DOES NOT GET REPORTED ON YOU CONSUMER REPORT. ACCORDING TO 15 USC 1681 ( e ) ( b ), And ACCORDING To 15 USC 1681 ( 5 ) Treatment of INACCURATE or UNVERIFIABLE information ( A ) In general, 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, and ACCORDING To 15 USC 1681 S-2 They are suppose to 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 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian can seem to get my credit score correct even though I have explained and spoken to them numerous times concerning entries that were not listed. 
On XX/XX/XXXX they had my credit score at XXXX and on XX/XX/XXXX they raised it to XXXX or XXXX points. Then on XX/XX/XXXX it dropped to XXXX again. On XX/XX/XXXX they increased it by XXXX points to XXXX. XX/XX/XXXX it dropped again to XXXX. 
There haven't been any changes in any of my credit accounts for several years and I don't have any debt other than monthly bills which I pay before the due date. The other two credit reporting agencies have had my credit score over 800 for many years. 
I have had discussions with Experian numerous times and explained to them. They tell me to see a credit counselor. A credit counselors job is to help those with debt and I have none. 
When I explained this to them they then hid behind and algorithm which they can't explain. Either they have information that they are not sharing with me or they don't know what they are doing. 
Of the three credit reporting agencies they are the only one that is foreign owned. If you go on their website its difficult to get past the things they are trying to sell you in order to get to your credit report.
Consumer complaint received 2023-04-10
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$790.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXXBalance : {$2100.00} XXXX XXXXBalance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00}
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (MI)

I have an inquiry on my credit report for XXXX XXXX dated XX/XX/2023 / XXXX XXXX XXXX XXXX XX/XX/2023 I did not authorize or apply for their service or product this account has to be fraudulent.