davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2020-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THIS SITUATION IS BEYOND MY CONTROL AND I AM TRYING THE BEST WAY THAT I CAN TO GET IT RESOLVED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NV)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-01-03
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. (CA)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-24
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: VANDERBILT MORTGAGE & FINANCE, INC (LA)

Filed a dispute through XXXX  for Vanderbilt Mortgage. It states paid and closed which makes it look like a positive account in order to remain for 10 years or more. When you look at the account/payment history it clearly states repossession which makes this a negative account, therefore it should have been removed at the 7 year mark. All other credit bureaus have already removed the item, but XXXX  seems to be going by a different set of rules. Most recent dispute was XX/XX/XXXX and I received results on XX/XX/XXXX stating it is accurate and no changes were made. Last payment was made XX/XX/XXXX, item should have been removed XX/XX/XXXX. I was advised by an XXXX  employee that it will stay even longer because I filed a dispute in XXXX.
Consumer complaint received 2022-08-05
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. (LA)

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX*Balance : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$170.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00}
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (TX)

Regional Finance has been trying to collect a debt in the amount of XXXX. From XXXX that I never owned. I have answered the calls to let them know I never accepted their loan and they said they would send me paperwork to get a complaint filed and they never did. In addition to that, this loan was accepted while I was out of the country so it is impossible for it to have been accepted by me. Speaking with them it seems that the loans are made in the form of checks mailed then you just go cash them. The collection is affecting my credit and the calls are getting out of hand. No longer know what to do to get it removed.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

I filed a claim with Truist over a fake/forged document that was used in a loan I was offered. The XXXX XXXX crook posed as someone from XXXX XXXX and deposited a fake cashiers check into my account for {$990.00}. Well, the XXXX XXXX at the bank would not at first even open a case when I reported this to them as fraudulent because they said it was " pending '' and needed to post to the account. After I raised more XXXX I got a case opened but then got charged an overdraft fee for something I reported as fraudulent! I can't the the XXXX at the XXXX bank to refund the overdraft fee ( s ) nor do a proper investigation into the matter. Before I could even return the affidavit I was sent they closed the case! I did get a letter from them confirming the cashiers check that was deposited was a fake - XXXX XXXXXXXX! I hate dealing with hard headed XXXX  XXXX people who do not give a XXXX about their customers when the customers are a victim of fraud. The case was closed on the basis of the transaction being authorized ; again, XXXX  XXXX! Of course I authorized it but I did not authorize getting XXXX  in the process!!
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX and XXXX XXXX acct # 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.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX 1 ) Account name : XXXX  XXXX XXXX Account number : XXXX ( I didn't remember this number ) Account type : Credit card Date opened : XX/XX/XXXX Status : Paid, Closed. {$1.00}, XXXX written off. 
Status updated : XX/XX/XXXX Has violated my rights. 
It keeps saying : Potentially negative. Erase this from my credit Report. 

2 ) Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Open. 
Status updated : XX/XX/XXXX Balance : {$940.00} Balance updated : XX/XX/XXXX Recent payment : $ XXXX  Monthly payment : {$25.00} Credit limit : {$1800.00} Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

3 ) Account name : XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Status : Open. 
Status updated : XXXX XXXX Balance : {$1400.00} Balance updated : XX/XX/XXXX Recent payment : $ XXXX  Monthly payment : {$370.00} Original balance : {$12000.00} Highest balance : {$0.00} Terms : 54 Months Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

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
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NH)

I logged into my amex online account on XX/XX/XXXX and found out all my cards were cancelled and I found a voicemail in XX/XX/XXXX, someone from amex wanted to talk to me and I called back right away. 

Amex service team told me it was a business decision they closed my account and all my rewards points were gone when they closed my account. My concern is Amex didn't warn me anything and shut down my account without leaving me choice to redeem my rewards points. I have been with Amex for almost 8 years and spent tons of money using Amex since I am a small business owner. I spent a few XXXX a year on Amex and I saved over XXXX XXXX rewards points ( about $ XXXX cash value ) on my account. And all are gone, they just wouldn't allow me to redeem them so I lost so much money!!!
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America is currently reporting 2 credit cards with inaccurate balances due to fraud. The balance on the cards include fraudulent charges and interests fees that i do not owe. 
BOA # XXXX BOA # XXXX I have disputed the accounts but Bank of America continues to verify to the bureaus inaccurate information. they have not sent me a fraud package nor attempted to adjust my accounts properly. Due to the negligence my credit has been damaged.
Consumer complaint received 2022-08-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Ive contacted Experian on numerous occasions about the accounts theyre reporting on my credit file. They seem to fell to supply me with the needed verification of theyre investigation and reinvestigation due to the fact of them not accurately and throughly conducting the proper investigation and reinvestigation. 

Outside of you guys forwarding my dispute letter to creditors how are you investigating the accuracy of the accounts in question? 

I last sent in dispute about accuracy of accounts XX/XX/2022 I have yet to get any response. 

It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this last attempt to have these errors corrected on my consumer report. 15 USC 168li ( A.5 ) says that after the reinvestigation all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated.
Consumer complaint received 2023-01-03
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. (LA)

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (AR)

On XX/XX/22, I was victim to a check cashing scam on my bank account. My bank is with US Bank. I immediately tried speaking with someone from US Bank, I've talked to at least 15 people who give me the run around. No one will help with the account. I filed a police report, filed a scam report with the postal service, XXXX  and FTC. US Bank put a hold on my accounts and will not give me access to any of my funds for over 2 weeks. I have not been able to pay any of my bills including rent, cell phone, insurance, credit card bills, buy food, gas, and groceries. My family has had to help me and my two children, on top of which, both of my children having XXXX which has prevented me from working for a week. I've tried meeting and talking to the Branch Manager in XXXX but she would not meet with me. When I finally was able to call and talk to her she stated she could not give me corporate or fraud department number but to call customer service again and try to speak with someone. She stated there was nothing she could do and was no help whatsoever. Someone else stole money and now I am being framed for it and my bank is doing nothing to help my situation or actually investigate the situation. They just closed my account and won't talk to me to get the story or situation or give me my money. I need help because I am innocent and could possibly be evicted, have my phones cut off, and lose everything I have worked for because someone else used me to scam {$1900.00} from the bank. I am completely disgusted with the bank and how much they have blatantly disregarded me the past couple weeks. I just need my account with my paycheck to be released so I can pay my bills. I did not steal any money from the bank and can prove it with no problem. I am a recently divorced single parent of two young children who works full time on XXXX and XXXX XXXX  full time at XXXX XXXX to become a XXXX XXXX XXXX  and I can not afford these issues. It isn't fair that me and my children are the ones suffering for someone else 's theft, fraud and forgery. After talking with the police again about the banks lack of effort in helping with the situation, the detective on the case stated I need to give all the evidence and information to the Attorney General for further help and investigation. The bank force closed my account without proper investigation. I reported the situation to XXXX XXXX XXXX reporter for XXXX XXXX XXXX XXXX and in the process of hiring an attorney.
Consumer complaint received 2020-06-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TN)

In XXXX of XXXX I started to refinance our home, with a closing date of XX/XX/XXXX and today XX/XX/XXXX I have still not closed or heard from Round point. I have spent the last 2 weeks trying to call and email to get a status on the loan. I have tried my processor and her supervisor with no luck. I have been on the phone holding for 2 hours a day to be hung up on. No one answers emails or the telephone. 
I have saved every single email and my phone records. This company has no values or customer service skills.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third Bank is practicing deceptive business practices. They sold a product named XXXX XXXX XXXX to us without our knowledge and wish. We never requested this product. Upon learning that we were signed up for this product, I reached out to them on multiple occasion and requested that they remove the charge of {$3.00} for each month beginning from day 1 they applied the charge. They refunded the charges initially, and assured us they will order a regular debit card which has no fee. This was also a lie. The charges kept coming. I reached out to them in person the 2nd time and they again assured they were correcting the issue. This never happened. As of today we are still being charged the fee of {$3.00} and they have not corrected the issue. I have reached out to them again via online banking messaging for their mobile app and from online banking messaging via a computer to no avail. They are interested in passing the buck between customer service and the branch. THEY ARE CLEARLY doing unethical things and should be punished just like other financial institution that were in trouble in the past for similar things. I
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (VA)

I had a commercial account with TD Bank under the name of XXXX XXXX  XXXX in XXXX, VA. About one year ago I tried to use my debit card to make a deposit and I found out I was locked out of my account. 
When I went in to complain I was informed that I would be hearing from the fraud department. After many visits to the bank and sending emails to them through their online system I have never received a response. 
In the mean time I was unable to use my account and they continued to drain it for monthly service charges. Finally i received a letter from the bank telling me they were going to turn my account over to a collection agency for being overdrawn. When I call ed the number on the letter they informed me that they could not do anything because I did not have my debit card any longer. When I asked to speak to a supervisor they informed me that they would see if he would talk to me. After 5 minutes they hung up. 
I went to my branch to get the number of my account only to find out that the branch is closed because of the virus. 
I found a number for the branch and called it and they told me that they would look into it. The called me back and told me that they dropped asking the debt collection to not bother me and said they were going to close my account. I asked why and they could not give me any answer. Can you please look into this and tell me what happen and why their fraud department never got back to me.