davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. (GA)

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 2022-08-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Since the day XX/XX/2022 merger of SunTrust and BBT into Truist Bank, Truist has been misapplying our fixed principal and interest loan payments continuously every month. We have paid this loan early every month for years prior to merger to present date. Since Truist has not applied our payments correctly to this date nor have we been able to get this resolved through the bank itself after many, many hours in person and on the phone with multiple people, it has affected the true balance of this debt and interest calculated. It seems we are the only ones following through as no one has contacted us from Truist Bank regarding what is being done to correct or fix the issues that they are having internally. Interest is accrued daily and since my balance is not reflecting the correct amounts due to the misapplying of our payments, that is affecting what my true balance of my loan is as well as interest charged and has been since XX/XX/XXXX of XXXX
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: EQUIFAX, INC. (OR)

I just got an alert that a new vehicle by XXXX has shown up on my Equifax report. This vehicle is owned by XXXX XXXX-XXXX  XXXX and not me personally. The vehicle is not in my name and not registered to me.
Consumer complaint received 2020-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

I spoke with a representive from XXXX XXXX XXXX  who tinted my windows for about {$400.00} dollars and made me apply for a loan for {$2000.00}. 

I was let on payments and they sent my account to Monterey financial who is charging $ XXXX plus for debt collection. 

XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Monetary financials
Consumer complaint received 2022-08-12
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. (GA)

In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX  XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A 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 2023-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: West Realm Shires Services Inc. (WA)

West Realm Shires Services, XXXX  FTX.US, and/or XXXX XXXX  XXXX XXXX cash funds that belong to me, without communicating in any way when they will return my funds. 

I initiated a withdrawal for XXXX {$25000.00} on XX/XX/XXXX when I heard the FTX XXXX was having issues. Out of an abundance of caution, I initiated this withdrawal through XXXX cash to my bank account, even though the company was saying at the time there were no issues with FTX.US and all withdrawals were functioning as normal. I never received my money so it is still in the custody of FTX.US. This is a significant amount of my life savings and money that I need in the short term to pay for housing, food, expenses, car, etc.

In the FTX.US terms of service, it says very clearly that all cash and funds held in my name/account on the platform was NOT the property of FTX.US and belonged to each user/customer. There is a CLEAR breach of service, and I have not received my withdrawal almost 2 months later. Furthermore, the FTX.US app showed the funds as " SENT '' but clearly they were never processed because I never received them. 

These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. I withdrew from my cash account balance via the FTX.US desktop website, via XXXX separate ACH transaction for XXXX {$25000.00} to be sent to my bank account at XXXX XXXX XXXX following the FTX.US guidelines, instructions and terms of service on XX/XX/XXXX, 3 days prior to FTX.US declaring bankruptcy on XX/XX/XXXX. 

At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts. Per my account on both the FTX.US website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. I have yet to receive my funds. 

The FTX.US terms of service clearly state that my XXXX Dollar account balances would be held for my benefit at XXXX XXXX  ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at XXXX XXXX  the extent you hold XXXX  XXXX balances ( and such balances are not held in XXXX or other investments ), those XXXX balances are held in customer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXfor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.
Consumer complaint received 2020-02-18
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. (CA)

I am victim of identity theft as a result of a previous illness. I have contacted Experian 18 times to date to please correct the errors. Experian has failed to provide any verified documents so that I may assist law enforcement in remedying this problem. They have also stated that they did not receive my 2 previous requests but I show successful certified mail delivered onXX/XX/2020.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I submitted two PSLF employee certification forms for my employer at the time, XXXX XXXX XXXX XXXX. I submitted these on XX/XX/XXXX. The first was for employment from XX/XX/XXXX - XX/XX/XXXX and the second was for employment from XX/XX/XXXX - XX/XX/XXXX. I received multiple communications from fedloan that were either incorrect or unhelpful. First, after 3 months, they said the certifying official from the school district didn't include her telephone number. That wasn't true and I resubmitted it showing the number was on there on XX/XX/XXXX. After that it was just communication saying they were working on it. I explained over and over that this was the same employer I had received PSLF credits for previously and there should be no difference. They couldn't explain why it was different this time. After what has been 8 months, they asked for w2's.I don't have w2 's going back that far and it will take forever to get them from the school district. Again, this is a public school district and the same one I received qualifying payment credit from fedloan previously. I'm attaching the two forms I sent fedloan. This is going to cause me to not be eligible for the expanded PSLF and is very upsetting.
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX Balance : {$250000.00} XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX XXXX : {$34000.00} XXXXXXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$43000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2020-05-30
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. (NY)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX
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. (PA)

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 XXXX 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 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I work for the XXXX XXXX XXXX and hold a secret clearance and soon will transition to a Top Secret Clearance. I have an on-going account with Experian 's Credit Reporting Services , Account Number : XXXX. I have {$24.00} auto pay dpaid by my XXXX XXXX Account every month from my previous payment method which was XXXXXXXX XXXX. Back in XXXXXXXX XXXX XXXX merged and changed to XXXX XXXX . Therefore through no fault of my own in XX/XX/2022 the auto-pay stopped and these clowns unlocked my credit file and converted me to their free version of credit reporting. I called in XX/XX/2022 and explained what had occurred, I changed my payment auto-pay to my XXXX XXXX account XXXX and I was allegedly re-activated, my credit file was re-locked, and I requested and was told that my monthly security reports and security notifications would be turned back on because some XXXX had turned them off. I re-contacted Experian on XX/XX/2022 via phone call and complained that I was not receiving my monthly notices with my credit score, and that I was not receiving my security alerts. The representative said that my automatic notification was in fact, turned off, so I explained the story and was assured she would fix the problem and turn my alerts back on. It is now XX/XX/2022, and I still have not received my monthly notice with my credit score, nor have I received any Experian credit alerts. 
Experian has violated our contractual agreement and they have failed to perform the services they have promised they would provide, which has me in a vulnerable credit situation. I currently am employed as a XXXX XXXXXXXX, XXXX, and if I lose my job because of fraudulent financial activity that I was unaware transpired because of Experian 's error, I will immediately file litigation against the company. 
I demand the following : 1. Experian turn on my monthly reports with my credit score and reactivate my security alerts, which is why I am paying them {$24.00} a month auto-pay. 
2. I demand Experian provide customers with a phone number that allows participants to actually speak to a customer service representative for all matters that is not covered in their ineffective, inefficient option provided to call in customers which is rude, and completely useless. 
3. I demand a full refund of {$120.00} for my {$24.00} autopayments for the full period Experian Reporting services were not provided to me from XXXX XXXX through today XXXX XX/XX/2022, and {$24.00} per each month they fail to honor the agreement, terms and conditions of our credit reporting agreement. 
Again, any more delays from Experian will be settled in a courtroom. The service provided by this company, their customer service, and their call-in customer service phone line are substandard and a disgrace. They are completely irresponsible and unprofessional. Please feel free to call Experian and enjoy in the hilarity at XXXX.
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: EQUIFAX, INC. (PA)

I have sent numerous documents to Equifax, XXXX, 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 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NH)

Recently, I noticed that my credit score dropped by XXXX points. ( XX/XX/XXXX ) I have had a score of over XXXX for 20 years. The reason given was that I was late on a payment for XXXX card. I disputed this with Experian, XXXX XXXX and XXXX. I sent a dispute request to all 3 companies. 

Today, XX/XX/XXXX I recieved an reply from Experian that my dispute was denied. However, they oncluded a report that under status reported " Paid, Closed/Never Late '' copy is below. 

I was hoping to buy a house, but those plans are on hold given the drop in my Credit Score. I believe that if the Credit Reporting companies should be required to notify someone in advance of dropping their score by XXXX points. Especially in light of the erroneous information. 
XXXX Good opens fico registered score tooltip XXXX XXXX/XXXX/XXXX Changein score by negative value Key factors affecting your score : What's helping No serious delinquency What's hurting Number of missed payments Your FICO Score compared to U.S. average by age : YOU ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your FICO Score History GraphScreen reader users switch to table view Table Graph Legend 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 Want to take a closer look at your credit information? For a free copy of your credit report, go to XXXX Opens in new window. 




Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX CARD Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$25000.00} Highest balance {$6500.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX Closed
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Greetings, Wells Fargo Bank which I do not bank with and do not have any accounts with allowed XXXX XXXX XXXX to mobile deposit a check to there banking system with my name on it. This has cause a negative impact to my credit limiting me the ability to purchase another car and to apply for a home loan while sending my credit score dropping a minus XXXX points below. Wells Fargo 's was complicity while allowing XXXX XXXX XXXX to cash that check with my name on it fradulauntely.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A charge from a XXXX ( XXXX ) on my Capital One Mastercard was processed on XX/XX/2022 when the account/ charge/ services should have been cancelled. Capital One sent an email on XX/XX/2022 at XXXX confirming the dispute. The email did not request any additional information from me. On XX/XX/2022 Capital One sent an email with a link to an updated document stating " ... We'll let you know if we need you to provide additional information to resolve your claim ... '' On XX/XX/2022 at XXXX Capital One sent an email stating that the dispute was denied. Capital One never asked for additional information. On XX/XX/2022 Capital One sent a link for me to upload additional documentation, this is the first time a request was made for additional documentation, and the request was made after I called Capital One and requested a process for sending additional documentation. I followed the link and sent a letter from the XXXX " XXXX '' requesting that the refund of the charge {$1900.00} be credited by to my Capital One Mastercard account. Additionally, the letter originally sent requested that I hold onto any documentation for at least 90 days. " XXXX '', the XXXX XXXX sent the letter requesting Capital One refund the charge on XX/XX/2022 well within the 90 days requested to hold onto documentation.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # 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 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a letter over a month ago ( XX/XX/2022 ) but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.