davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (PA)

My brother and I created an account with Truist. After about XXXX days of depositing and spending money they closed both of our accounts. We went to see what was the problem and they informed XXXX their fraud team is the one that closed it. Even though we did nothing illegal. All we were doing was making money from betting apps like XXXX and XXXX. Literally nothing other than that. Which is legal in the state of Pennsylvania. 

Long story short, they informed us on XX/XX/2023 that we need to come back with a letter informing us why it was closed to get the remaining money in our accounts by picking it up at the bank. 

My account has $ XXXX and my brother account has $ XXXX A week and a half later we received the letters and went to the bank to pick our money up. They informed us a check was sent out on XX/XX/2023 and that we have to wait to get the check in the mail instead of picking it up. 

So we waited and never received a check. 

I called XX/XX/2023 and was advised that there was no check sent out and that it will be XXXX sent out tomorrow XX/XX/2023. 

I feel like they are just gon na keep giving us different dates and we have to pay our rent and other bills. 

Please help.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is 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 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.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late and account is up to date. 

Thanks, XXXX XXXX
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (PA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local XXXX  statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (DE)

my mortgage was transferred from Greentree to ditech for servicing. my escrow account is no longer being properly handled. I am receiving bills for taxes and insurance eventhough monies are being held by ditech to remit the monies. explain to me why is this company is allowed to continue servicing accounts despite the hundreds of online complaints posted and the XXXX complaints filed regarding the mishandling of people 's mortgage accounts?
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to file a formal complaint against XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS XXXX XXXX. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. 

The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. 

Despite my attempts to rectify this issue directly with XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. 

Furthermore, XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 

2. Violation of FCRA Section 6802 : XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. 

Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Hello my name is XXXX XXXX XXXX Ive been trying to fight this for months but my account was closed due to a fraud check that was sent to my name capital one says I can not reopen my account due to that. And I owe - {$99.00} to my checking and also been fighting to pay my credit card but have no way to access to pay it and I keep getting emails that my fees gone past + {$300.00} on my card and only had a limit of {$200.00} I need help to figure out what I need to do to fix this problem I need to have access and my credit has dropped way low and I need my checking account
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WA)

I have been have issues with my Equifax Credit Monitor, a product that is paid monthly in return for credit report analysis. I purchased this product on XX/XX/XXXX. It has served me well until XX/XX/XXXX when the product quit providing the information it had promised me. The error message said it was a temporary problem. 

Ive reached out to Equifax seeking a resolution. Apparently, they are unable or unwilling to resolve this issue. Dates I reached out : XX/XX/XXXX- I was told it would take 7-10 days to resolve the issue. On subsequent calls, I learned that my issue was not escalated on this date. In other words, my request for help was ignored XX/XX/XXXX - Once again, I was told it would be 7-10 days to resolve XX/XX/XXXX - called in. No results. Equifax didnt escalate this because they claim the call was disconnected. They did not reach out to me after the disconnection XX/XX/XXXX - I called once again. I confirmed that nothing was done despite the representative telling me it would be escalated XX/XX/XXXX - The product worked for XXXX day XX/XX/XXXX- I was told it would be resolved in 3 days. I was also told that if a changed my browser to XXXX the application would worked. I questioned this as there are millions of XXXX users. They were insistent. I tried XXXX and my product still doesnt work. 

XX/XX/XXXX- I followed up on the call from XX/XX/XXXX. I was told it would be 7-10 working days despite being told 3 days on XX/XX/XXXX In addition, my credit report is not available through XXXX. Logically, it must not be available to any creditors should I apply for credit. I have no confidence in Equifax that this will be resolved.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Over 90 days ago I requested Experian and XXXX to remove a late payment that they are mis reporting on my credit report. They failed to do a resonable investigation and lied that they had completed their infestation. 

I would like to be sent proof of this investigation that verifies that what they are claiming ( 30 day late payment ) in fact is the case. I am requesting they spoke to and what documents they received to ensure accuracy in what they are reporting. 

I HAVE NEVER BEEN LATE WITH A PAYMENT TO ANYONE. and would like to be shown proof that they received to be reporting a late payment. 



Their late payment shows the following XXXX XXXX. XXXX  30 days late. account # XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2016-02-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I have been trying since XXXX 2016 to get my deceased husband 's name removed from our joint contract with Nissan Motors Acceptance Corp ( NMAC ). I have documented numerous calls to NMAC, have sent all requested forms to them as instructed, and have made follow-up calls to check on the progress of the change. As of today, XXXX XXXX, NMAC has still not initiated the requested change. 
In the meantime, I ca n't get anything done regarding the financed vehicle, including renew the license plate. As of XX/XX/XXXX, I am illegally driving with an expired tag. I am a widow, have nobody else to drive me and do n't have an alternate vehicle to drive. I am desperate. 
In an attempt to escalate my complaint, I contacted XXXX XXXX Consumer Affairs on XXXX XXXX. Today, I received a callback from them. They claim that they have no affiliation or control over NMAC, and therefore ca n't help me. 
I have exhausted my efforts to get this resolved. NMAC has complete control over this horrible situation and is exhibiting no concern for me.
Consumer complaint received 2023-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2023 was XXXX XXXX bank card was loss or stolen, I reported to XXXX XXXX about the mishap, they responded that they would canceled the card and resend a new one, my mom who is also a joint account owner receivethe cards, activated both cards and keptthemin hrt possession ... .which she set up online banking and password, she managed the account, i never knew the login information, I'm a student and this was my first bank account online. On XX/XX/2023, my mother transferred {$100.00} via XXXX, to our XXXX XXXX account from her XXXX XXXX account, also on XX/XX/2023 she transferred {$650.00} via XXXX, my mother informed me that she hasn't been able to login lately, she kept getting a wrong password response ... after reaching out to XXXX XXXX several times to reset the password, they always denied access, to my mother who is a co owner of the joint account, finally we received a letter in the mail that the account was overdrawn, the only activity on the account was only 1 check for {$100.00} on XX/XX/2023 to our church, to find out later it bounced. After my mother spent hours on the phone, constantly being put on hold several times, she found out that someone had took over our complete account, changed our online sign in information, both our phone numbers, created a member to member account and reoccurring transfers, the banker asked if we knew the person, we responded absolutely no. We requested more information about the person who hacked the account to file a police report, they wouldn't give us any information on that person. Couple weeks later we received a letter stating that they didn't find any fraudulent activity, the letter also stated to call them for the reason the claim was denied, after calling and visiting the branch several times, 2 months later, we haven't received a reason for the denial yet! I didn't want to take this route, I actually found out yesterday, 3 people I spoke with had the exact same thing happened to there XXXX XXXX  account, please help, I'm a teenager and this is my first bank account and this happens, I'm so disappointed, not to mention we found out they never flag the account, nor did we received verification notice or phone call when the hacker changed all of our personal information.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

XXXX. I originally told them I would pay for all services when they were finished. The procedures were incomplete at the end of the day and they rushed me through paperwork signing me up for a finance company, Care Credit ( Synchrony Bank ), to pay for the work. I was still disoriented from the procedures and suprised it was not finished. I did not know I was authoring any additional work to be charged on this credit account. I got the bill a few weeks later and it was for an excess of {$4200.00}. None of the work she charged me for was ever done except for XXXX XXXX which were not even completed and done incorrectly. I have had to have the work re-done by another XXXX. I disputed the charges with Care Credit ( Synchrony Bank ) and they completed an investigation that resulted in a finding in my favor and {$800.00} taken off the bill. They claimed that I still owed over {$3400.00} for XXXX botched XXXX. Even though I can prove with XXXX that I never received XXXX for which I was charged, they told me that they have taken the word of the dentist that these services were provided and stand by their charges. I will be following up with an attorney, but I do want to report what I feel has been fraudulent billing by this XXXX, charging for services that were never performed, and support of this fraud on behalf of Care Credit ( Synchrony Bank ).
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( USC 91-508 ) I told the Experian, XXXX, and XXXX to reinvestigate these accounts 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 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 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 15 U.S.C 1681C. ( a ) ( 5 ) Section states : 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 of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I sent XXXX a stating I was opting out of any and all authorization I the consumer may have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX XXXX reported XXXX installment loans to XXXX in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX XXXX reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).