davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (TN)

On XXXX XXXX I opened a corporate bank account with Truist Bank. I was surprised I wasn't asked for any documentation which I had, because for my other corporate accounts documentation was required. But it was convenient to my condo in XXXX and I received a flyer from Tuist promising {$200.00} for a new business account so I thought why not. 
My deposit was a check I received from the IRS for the XXXX program. This is a refundable tax credit for eligible businesses that had employees and were affected during the COVID-19 pandemic. It was prepared by my accountant. The amount of the check was {$30000.00}. 
Initially, as stated on my receipt, a portion of the deposit would be held till XXXX XXXX. The amount available would be {$5500.00}. That turned out not to be the case. Then I was told that the check was being held by the fraud department and would be released by the XX/XX/XXXX date. 
That date came and I could not access my money. After being on hold for XXXX hour, I was told it would be released the next day the lag being due to the XXXX holiday. 
That day, XX/XX/XXXX, came and I still had no access. I was on hold XXXX minutes and was told XXXX more day. On that day, XX/XX/XXXX, I went to a branch near my home in Tennessee and was told then that my account had been closed and that my deposit would not be returned until confirmed it was valid and that would take a month. I am doubtful that even then it will be released. I am not comfortable with this bank, who had misled me many times, keeping my money that long. 
If there was not enough vetting on the front end, I should not be held responsible or suffer from that. I have all the documentation and have never been asked for anything.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (NC)

On XX/XX/XXXX I co-signed with my granddaughter on the lease of a XXXX XXXX XXXX. I was aske by the dealer, XXXX XXXX in XXXX, Az to co-sign with my granddaughter on the lease to get the best rate and payments. While applying in my granddaughters name for lease approval I only noted later that the dealer actually placed me as the lessee when the following issue arose. On XX/XX/XXXX my granddaughter took her vehicle to the local XXXX dealership XXXX of XXXX XXXX, NC. to work out payment arrangements on her car which we knew was considerably over the allowed mileage even after extended lease renewal. The salespersons at the dealership told my granddaughter they would take care of the lease turn-in and proceeded to sell her a new vehicle. They then reported her old vehicle as an abandoned leased vehicle somehow removing my granddaughter from the old lease and converting the lease to me as the leaseholder and coordinated the lease turn-in with Hyundai Motor Finance ( HMF ) /Hyundai Finance Company ( HFC )/ Hyundai Capital America ( HCA ) .With no contact with me the vehicle was processed by HMF/HFC/HCA with a value of {$6800.00} and I am told by HMF/HFC/HCA sold with a {$14000.00} balance due after penalties and fees . ( I could have and would have paid for the vehicle had I known it was being sold as it was worth {$6800.00} ). While HMF/HFC/HCA had been in contact with me the entirety of the lease term if there was any issue they indicated they couldnt contact me about the lease turn-in issue. They never bothered to simply ask my granddaughter how to contact me, neither the dealership nor the finance company. Or to just contact me with the email address they had been using for years. I found out about the whole process when I noted my credit score had dropped and could not figure out why. After several contacts with the HMF/HFC/HCA XXXX the dealer and finally two complaints with the XXXX I noted that HMF/HFC/HCA was reporting the issue as a leasing write-off and I dropped the active pursuit of resolution. I am now getting a new home mortgage and am being told that this reporting is having a negative effect on my credit score and thereby loan worthiness. Sure would appreciate your help with this issue. Thanks
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I spoke with some one from XXXX XXXX XXXX XXXX letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with XXXX XXXX I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Need assistance or help with Truist bank where I am not able to get any help for last two years. 
Currently I have loan with Truist Bank in loan modification since XX/XX/XXXX ; making my monthly payments on time as requested. I have been calling every month and asking for status update to get this issue resolved since this caused me lot of trouble for not able to refinance or borrow the money which I needed when the interest rate was very low last year. Have contacted multiple times via emails, phone and other ways to get this issue address. Only the response I get from client service rep that your loan in modification and we will contact you. This is going on for last two years.. Now I have been trying to get 1098 form to file IRS tax for XXXX. I did not receive any 1098 form as well called few times again, no action taken and no status update after calling multiple times for last few weeks. I would appreciate if I can get some support on this issue or guidance to get this matter resolved asap with bank. I'd appreciate very much for the help. If you need personal info about the account and details, please feel free to contact me via email : XXXX or cell : XXXX Will appreciate a lot and thanks for looking into this matter! 

Rgds, XXXX
Consumer complaint received 2022-07-15
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)

In accordance with the Fair Credit Reporting act, The list of accounts Below have violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX XXXX Opened XXXX {$510.00} XXXX XXXX  Opened XXXX XXXX XXXX error Needs attention {$2900.00} XXXX XXXX XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX error 30-59 days late {$290.00} XXXX XXXX error Needs attention {$2900.00} XXXX & XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX  error Needs attention {$350.00} SEXXXX XXXX error 30-59 days late {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX CO All of these accounts have violated my rights, Im a US Veteran that was stuck overseas during the Covid Pandemic, My ex wife which I have a Police report on file, Used my and destroyed my credit, I have tried on numerous of times to get these items deleted.

15 U.S.C 1681 602 A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) 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 convictions of crimes which antiendates the report by more than 7seven years.
Consumer complaint received 2022-07-15
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. (NC)

Experian will not take off a collections account from XXXX XXXX XXXX, This account was removed the reappeared back on my report which is extremely odd. This account is closed and needs to be removed from my experian report.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7100.00}, XXXX XXXX XXXX Balance : {$4000.00}, XXXX XX/XX/XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION (RI)

This is my first time in 30 years were my future job with XXXX XXXX has been on hold for incomplete background missing information. The information belongs from XXXX XXXX XXXX de XXXX XXXX were they informed that were unable to find my information. XXXX XXXX XXXX XXXX type XXXX, XXXX XXXX XXXX not given my transcript years taken. I have Copy Stamp on XX/XX/1999 in the Formal transcript documentation by the XXXX XXXX XXXX de XXXX XXXX.
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

Applied for a Citi credit card, was notified I was denied a day later, but they did not inform me why. Had to wait for them to mail me a letter telling me why, yet the letter did not confirm what the denial reasoning was. I have other reputable credit cards and a mortgage, I know the issue was not my credit, so I was perplexed.

Its incredibly hard to find Citis customer support number, yet after sleuthing the internet, I was able to find one. Finally got through the terrible automated system to a live person to ask why I was denied. They asked if I got the mailed letter and I said yes, but theres no reasoning. They transferred me to a XXXX specialist, the woman claimed I passed the credit check, however, they could not verify my personal information. She told me to log into XXXX & update my personal information, then call the company back and ask them to re-run my information. 

I did not have an XXXX account set up, so I created XXXX. Let it update for XXXX business days, then called the company back and explained what the first XXXX specialist had informed me to do. I sat on hold for XXXX hours to be transferred to a XXXX specialist yet again. When he finally got on the phone he informed me they would have to run my credit again as they cant confirm what my phone number is. I explained I just needed them to run the XXXX report again, and he said no, they have to run the entire credit check again. I already passed the credit check, I do not need another hit on my credit, they just need to verify my phone number. Then I asked if they can verify another way, perhaps mailing me a letter again, he stated no. He then claimed its because I had a freeze on my account, I double checked XXXX and theres no freeze set up. 

So, I now have a hit on my credit report for a bank who I passed the credit check for, but was denied because their system is so outdated they cant verify my personal information any other way. Citi will claim something is wrong on the customers end or with XXXX, but cant prove it, just so they dont have to do their job. This is a different level of scammers and I can not understand how this bank is still in business.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (SC)

I have disputed the Fed Loan accounts multiple times on my credit reports. They keep coming back as verified but they are still reporting inaccurate information. The most noticeable error being that it goes from current to 90 days past due from one month to the following month. It's impossible to be current one month but then 90 days past due the following month. In addition to that, these accounts first went past due prior to XXXX of 2016 so no longer should be reporting on my credit report anyway. The information reported to each bureau is also different. How can the information be different, but still accurate?
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need your support with the incorrect account being reported on my credit report. This concern is damaging to my reputation as a customer, and I need your help in resolving it. These accounts must be removed since they are reported inaccurately and reflect negatively.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc (MO)

XX/XX/XXXX Affirm charged to my XXXX account a fraudulent hotel charge. One payment was automatically charged. 
I notified them numerous times this charge was fraudulent. Have NOT received documentation or any supporting documents, only notices that my account was delinquent. 
They have not tried to resolve issue, but have degraded my credit report. 
On XX/XX/XXXX I filed a FTC report regarding a serial internet hacker who possesses a $ XXXX patent for internet security. I feel confident, with not only this issue but others, that I am repeatedly victim to this PREDATOR. 
Unable to sign-in to FTC account , password recovery does not appear ( redirected ). 
Need personal representative help/assistance.
Consumer complaint received 2022-09-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that these information are 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.