davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I, XXXX XXXX, a resident of XXXX XXXX, North Carolina, and a XXXX at XXXX XXXX, living with my wife and XXXX baby. I am scammed for {$45000.00} during my house closing process via wire transfer scam. I filed a complaint immediately with XXXX XXXX XXXX [ bank i used to transfer money from ] to put a request to Truist bank [ bank where i sent the money to ] to recover the scammed amount but the Truist bank did not responded with any specific details to XXXX XXXX XXXXXXXX and so XXXX XXXXXXXX XXXX closed my case. when i reached the local truist bank branch office and shared the account details they mentioned that the account was flagged as fraud and is under investigation but is not willing to return money even if the case is 90 days old. 

Below is the full story. 

We had purchased a new home and were working with a lender for my loan approval. The closing date was scheduled for XX/XX/XXXX, and the loan was expected to be disbursed on that day. On the morning of XX/XX/XXXX, I had signed a bunch of documents on the " XXXX XXXX XXXX  '' website as part of the loan approval process. 

On XX/XX/2023, I completed signing all the documents around XXXX XXXX The title attorney informed me that I should expect an email from the title attorney with details of the wire transfer regarding the closing costs. At XXXXXXXX XXXX  EST on XX/XX/XXXX, I received an email from " XXXX XXXX XXXX '' with the following message : Hello XXXX, Congratulations on the final steps of your purchase of XXXX XXXX XXXX XXXX XXXX XXXX, NC Your closing has been scheduled and will be coordinated XX/XX/2023. You need to have Cash to close funds wired to our trust account today to avoid closing delay. I will send the wire instructions once you have acknowledged the receipt of this email. I will be busy with limited access to my phone. You can send me an email if you need anything else. 
Please note : You will need a valid photo ID or any form of ID at closing. 

After acknowledging the email, they sent a reply with the details of the wire transfer. The email contained the following business account information : " XXXX XXXX, XXXX '', XXXX XXXX XXXX, XXXX XXXX, VA XXXX and the Bank account number is # XXXX. I was asked to send a similar amount of money mentioned in my closing documents which i did. 

I began to suspect that someone from the lender, the business that approved the loan for my house, had been tracking me and sent the email exactly when I was expecting it ( XXXX minutes after I signed all closing documents ). As I was multitasking with office work, I did not pay attention to the origination of the email. They had also CCed my real estate agent 's modified ID ( email ID very close to his original email but with a few characters changed ). 

After an hour of the transfer, I received an email from the correct attorney asking for the money. It was at this point that I realized I had been scammed.
Consumer complaint received 2023-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

An account on my credit report has not properly been reinvestigated XXXX XXXX acct # XXXX according to 15 USC 1666B. I am challenging the timing of this alleged late payment and if you can not validate then please update to paid as agreed, never late
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (MI)

On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. XXXX XXXX marked it as a duplicate of CFPB complaint XXXX to prevent from having to respond. This is the second time they've employed such tactices because on or around XXXX XX/XX/XXXX I filed CFPB Complaint XXXX. Instead of reading through the complaint and examining the attached documentation, XXXX XXXX XXXX AGAIN chose to close the complaint and mark it as a duplicate of complaint XXXX. However, whereas complaint XXXX was regarding account XXXX and the data furnished to XXXX, complaint XXXX was regarding XXXX and the error in the Date of First Delinquency -- It says that in the first few sentences of the complaint. XXXX XXXX has a habit of closing out complaints when it does not like to respond in an effort to avoid dealing with the issue. In this case XXXX XXXX is most likely closing out these complaints because it knows or has reasonable cause to believe the information it is furnishing to Equifax for XXXX is inaccurate. [ ORIGINAL COMPLAINT ] : On or around XXXX XX/XX/XXXX I disputed the date of first delinquency reported for a XXXX XXXX Account/Tradeline in my Equifax credit file. Equifax alleges they conducted a ( re ) investigation and returned the results on or around XXXX XX/XX/XXXX. The results claim the date of first delinquency was verified as accurate by the data furnisher, XXXX XXXX XXXX. However, on its face this information is false because XXXX XXXX response to CFPB complaint XXXX, dated XXXX XX/XX/XXXX, makes clear " Our office did not mail billing statements during the time-frame of XX/XX/XXXX, through XX/XX/XXXX, billing statements were suppressed while the loan account payments were deferred. '' Moreover, the same XXXX XXXX response goes on to state for XXXX : " A disaster forbearance was granted from XX/XX/XXXX to XX/XX/XXXX. '' Thus, the account was in forbearance prior to XX/XX/XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX and there would be zero ( 0 ) delinquencies for this account if unpaid until after XXXX XX/XX/XXXX, which was the due date of the first bill after the deferment ended. Therefore, the derogatory narratives alleging the account was 90 - 119 days past-due, and the alleged date of first delinquency of XX/XX/XXXX. Given the above quotes are taken from XXXX XXXX own responses to CFPB complaints, information supplied by XXXX XXXX directly, XXXX XXXX knows and/or has reasonable cause to believe this information is inaccurate, but has opted to forego changing the patently false information it is supplying to the CRAs and has instead chosen to allege the information is " accurate. '' This is the epitome of willful negligence. This sort of behavior is unfair and unlawful and defamatory.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN XXXX XXXX XXXX To whom it may concern, Hello my information was breached and was sold and bought illegally because I was a victim of Equifax Data breach. I have reached out to Equifax many times and I have a copy of where they told me I was breached ( attached ). Equifax has done nothing to help me and I need your help in removing these fraudulent items please from my credit report. 



Please help me by removing these items XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Account XXXX Balance {$5000.00} XXXX XXXX Account XXXX Balance {$6900.00} XXXX Account XXXX Balance {$6300.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance {$970.00} Thank you for your help on these items. Have a good day XXXX XXXX
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Sat XX/XX/XXXX I used ATM machine a local bank of america XXXX in XXXX, Florida. I deposited a check in ATM machine for {$2200.00}. XXXX kept my check and did not post funds to my account. This was at XXXX. I went into the branch where no one would help. I get a telephone number to call. I go home I call bank of america. I file a claim. I get no information on when I will get my funds. I call the next day XX/XX/23 and I'm told the claims dept isn't open on the weekends and I should call back on Monday XX/XX/23. I call back a 3rd time to be told that they are back logged and will not give me a temporary credit until someone is able to research and watch the camera to make sure I deposited the check like I said I had. Then I'm told that I will not receive any credit until 2 weeks from now. Also it could take up to 30 days to complete my claim. This is XXXX  week. It was a bank of america check, written to a bank of america customer deposited into a bank of america machine. I have been a loyal customer for 18 yrs. I have a credit and savings account with them. For me to be treated this way over a broken ATM machine, especially during a holiday week is unacceptable. I shouldn't have to chose between paying my bills or feeding my family XXXX dinner because of their ATM machine error. I'm beyond upset. The last person in the phone wants to tell me my feelings are validated and that's all they can do. Excuse me? It's XXXX and I need to pay bills and feed my family and your keeping my money and I'm supposed to feel better because my feelings are validated.? I will get this resolved one way or another and never do business with bank of america again.
Consumer complaint received 2023-11-20
Product: Credit reporting 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)

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX, Transunion, XXXX, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. 

The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated.
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-17
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2024-01-01
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. (TX)

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. Account name : XX/XX/XXXX Account number : XXXX Account name :XX/XX/XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XX/XX/XXXX XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXXXXXX Account number : XXXX Account name :XX/XX/XXXX XX/XX/XXXXAccount number : XXXX Account name : XX/XX/XXXXXX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 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 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XX/XX/2022 : 30-day state of emergency, executive orders issued Maryland Gov . XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified XXXX XXXX XXXX and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
XXXX XXXX XXXX is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Reinvestigation procedure letter was received by Equifax on XX/XX/2023 See certified USPS tracking # XXXX XXXX XXXXno description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).
Consumer complaint received 2023-11-17
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. (CO)

On XX/XX/XXXX XXXX  I submitted information to XXXX XXXXXXXX XXXX to apply for pre-approval of our mortgage application. They completed a hard pull of mine and my wife 's credit reports. Later that day, my wife and I both started receiving nonstop unsolicited spam phone calls and text messages from people claiming to be affiliated with mortgage lenders, offering us credit, or falsely stating that we had begun the loan application process with them and they wanted us to continue. Over the course of the next 48 hours we have each received at least 100 different phone calls and text messages ( mostly phone calls ), despite blocking each new phone number when they call and don't leave a message. 
When my wife answered the call from one of these people, they actually told her that they obtained her phone number and the fact that she had just applied for a mortgage loan from the credit reporting agencies. I believe this is an egregious breach of our confidentiality on the part of the credit reporting agencies. How can it possibly be lawful for these private entities to share our personal phone numbers and the fact that we applied for a mortgage with random solicitors, with whom we have no contact and have given no permission to access our credit files? I can only assume that the credit agencies are profiting off of this practice, and we want it to stop immediately.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.