davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (LA)

I am not able to obtain the credit to which I am entitled because Equifax, XXXX, and XXXX are ignoring my repeated disputes of numerous accounts that are being reported to my consumer report that I never initiated.They are REQUIRED to abide by the exercise of my right to prohibit the information from being used in connection with transactions that I did not initiate pursuant to 15 USC 1681m ( d ) ( 1 ) ( D ).

I am a victim of identity theft and I have repeatedly requested that the credit reporting agencies block the information being reported pursuant 15 USC 1681c-2. The supporting documentation for the block of information has been on file since 2018 which includes the affidavit of identity theft, identity theft report, written statement, copy of driver 's license and copy of social security card. 

According to 15 USC 1681, false information being furnished to my consumer report is defamation of my character.

The accounts being disputed are being furnished by creditors that are not licensed to conduct business in Louisiana which makes all purported obligations null, void unenforceable, and uncollectible as against public policy of this state pursuant to La. R.S. 9:3518.4 ( a ) ( 1 ).

They are purporting to have completed investigations of my disputes in just 24-48 hours have failed provide an explanation or a list of reasons. The credit reporting agencies are damaging my reputation and causing me credit discrimination.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards,
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

Ive been back and forth with cash app to get my direct deposit and account number so I can change my bank to my new account that I opened because they closed my account and they wont give me my info and I keep calling and they said they cant give me that information even though its my information. Now Im having to deal with them to get my money direct deposit to my new account. Im having my check on hold with social security because cash app wont give me this information. Its beyond ridiculous and frustrating how they are handling this. And they closed my account because I filed a dispute because someone used my account and I reported it to them to inform them what was going on and they said they closed it because of this disputes. So its okay for someone to use my account without my permission
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

Both myself and my husband have been a victim of identity theft and fraud on our Truist Bank checking and money market accounts. Fraudsters were able to conduct 3 fraudulent check transactions out of our accounts without our knowledge, authorization or consent. The transactions are as follows : {$5300.00} on XX/XX/XXXX, {$13000.00} on XX/XX/XXXX, and {$9200.00} on XX/XX/XXXX. 

We believe the fraudsters were able conduct these fraudulent transactions by washing our checks and impersonating our identities. I discovered the fraud XX/XX/XXXX and immediately reported it to Truist Bank the same day. Truist Bank conducted an investigation ( claim XXXX ) ; and while the bank determined the transactions to be fraudulent, they have denied to reimburse us due to our failure to notify the bank within 30 days of the fraud. However, the fraudulent check transaction for {$9200.00} on XX/XX/XXXX was reported within the 30 day timeframe, which Truist Bank has yet to reimburse us for. 

We requested assistance from XXXX, who sent Truist Bank supporting documentation via mail on XX/XX/XXXX, which detailed the fraudulent transactions being disputed. Truist Bank received these documents and still denied to re-investigate and reimburse us on the fraudulent amount. Due to our ages ( XXXX and XXXX ) and health conditions ( XXXX XXXX XXXX, XXXX, and XXXX  ), we believe Truist Bank has failed in protecting us from elder financial exploitation, and are requesting the bank re-investigate this matter, and reconsider their decision on reimbursing us for the stolen funds. I am also requesting that Truist provide me with any and all copies of records relating the the fraudulent transactions, including the investigator 's report who has denied our dispute. I hope to be reimbursed for the fraudulent transactions which Truist Bank failed to prevent.
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bastion Consumer Funding I, LLC (OH)

I received a court document in XXXX of XXXX stating I was being sued and owed {$1300.00} to XXXX XXXX XXXX, which I have never heard of before. It stated my wages would be garnished if it was not paid. I said a loan was taken out in XXXX for {$250.00}. In XXXX I started to file bankruptcy but got a large amount from the VA so I paid off all debt I had and the bankruptcy was dismissed. I have no record of this loan on any credit reporting agencies, I have no emails or records of a deposit from this agency either. When looking over the documents the signature also does not look like mine and Ive signed the same way since joining the XXXX XXXX back in XXXX. This was the first time I have ever heard of the company who was suing me. I do not believe this loan was even given to me. When documents were send over they blocked out the bank account routing and account number and have yet to provide it so I dont even know if it was sent to an account in my name. Looking up information on XXXX XXXX XXXX online they seen to get this complaint a lot. Please help me get this resolved!!
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

An account from a company I've never heard of or done business with appeared on my XXXX and XXXX credit reports. The amount owed for this false account is {$1300.00} and was added on my accounts on XX/XX/2023. The company has yet to take any action so I'm taking action myself.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (OK)

I have attempted to request a copy of my Consumer Disclosure Report from LexisNexis four times over the course of roughly a month ( XXXX 2023 ) ; each time they respond with a letter via mail stating that they can not verify my identity based on the information I provided. 

Within the same notice ( s ) they recommend I resubmit my request with additional information.

However, I have provided all information they will accept when requesting my Consumer Disclosure Report ; all of which is accurate as it relates to my actual identity.

This has effectively made obtaining my Consumer Disclosure Report impossible.

I am filing a complaint in the hopes that it will help me to obtain a copy of the report I am legally entitled to.
Consumer complaint received 2023-07-04
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. (MI)

XXXX XXXX XXXX XXXX XX/XX/2022 Balance {$7100.00} This is FRAUD! I reported this fraudulent account to XXXX XXXX months ago and they assured me they would take care of it.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I arrived at the Capital One at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I made several deposits totaling {$2400.00}. The first round of deposits made around XXXX total {$2300.00}. The ATM glitched and only allowed deposits of {$600.00} and {$340.00} totaling {$940.00}. Hence, {$1300.00} was not reflected in my account. I left the ATM and later came back around XXXX to deposit {$160.00}, once again the ATM glitched and the {$160.00} also did not reflect in my account. Totaling {$1500.00} missing, and not reflecting in my account. I then called Capital One and told them about my situation. They asked how much was missing and I told them. Thankfully I had previously written the total on XXXX separate pieces of paper that I put in the XXXX bank, where I extracted the money from. XXXX paper said {$130.00} and the other paper said {$2300.00} totaling {$2400.00} as previously stated. Unfortunately I did not write down the number of notes and amount of each, but I specifically remember the last {$160.00} consisted of XXXX {$20.00} notes as I counted it before I deposited it in the ATM that then glitched. Capital One conducted their investigation and later informed me that they did not see {$1000.00} of the money that I said was missing. So they deducted that money. I called them and they told me to send my " proof '' to the email provided. Unfortunately, the only proof I had was XXXX saying that the ATM could not take deposits after it had swallowed my deposit. I sent them the email, waited. Then I called them to ask what was taking so long, because I had intended to put the money in my savings account, because it was money I had made from my summer job, which I had intended to spend on XXXX XXXX. Capital One is yet to respond, even after I gave them a clear description of the times I showed up, the vehicle I was in and the location I was at. I'm deeply saddened and in financial pain from their decision. I have no reason to lie. Please help me.
Consumer complaint received 2023-06-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Select Portfolio Servicing has been Servicing our loan based on an assignment of Mortgage-RE : XXXX XXXX TRUSTEE, IN TRUST FOR REGISTEREDHOLDERS OF XXXX ASSET-BACKED CERTIFICATES XXXX SERIES XXXX-XXXX XXXXT, ( Also Known As- XXXX XXXX XXXX XXXX ) Fact : XXXX XXXX  ACKNOWLEDGE ASSIGNMENT OF MORTGAGE WAS ADDED IN ERROR., On XXXX we called XXXXXXXX XXXX ( Bankruptcy Dept. who handles all XXXX XXXXXXXX XXXX  accounts ) XXXX and spoke to XXXX XXXX Representative XXXX, we asked her how can XXXXXXXX XXXX  add an Assignment of Mortgage if XXXX was not the Noteholder and we advised her of the copy of the Loan Modification making XXXX our Noteholder and XXXX XXXXXXXX was Servicer, as of XX/XX/XXXX and that XXXXXXXX XXXX  sent this information to us on XX/XX/XXXX, XXXX then verified information and then said XXXX made an error, so XXXX then called the XXXX Mortgage Dept., where they verified that XXXX started collecting as Servicer as of XX/XX/XXXX, while on the phone talking with XXXX a Representative from XXXX XXXXXXXX XXXX  ( XXXX ) called me so we were able to bridge her in, who basically verified they sent us our Satisfaction letter, so XXXX then called Select Portfolio Servicing and advised them that XXXXXXXX XXXX made an error, Select Portfolio Servicing Representative XXXX said basically nothing she can do, to contact the Lawyer we advised her we did, so XXXX then advised us to Fax in the Loan Modification and Title Search, Deed info everything to ( XXXX ) XXXX XXXX investigation Dept., research claims # was XXXX ( HLEO ) Home Loan Executive office, to see why it was transferred and the 2nd one was XXXX to Explain Assignment of Mortgage, they officially received XXXX. XXXX acknowledge they were Noteholder and that there is no Lien and they were willing to work with servicer to remove any Liens, we sent information to Select Portfolio Servicing- ( Servicing for Investor XXXX since XXXX ) and to XXXX  - ( XXXX-servicing for XXXX XXXX XXXX  XXXX until XXXX XXXX XXXX There is No Mortgage, No Assignment of Mortgage, No Lien.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I applied for a credit card XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX. My application was denied because XXXX XXXX XXXX informs me in the application decision that my Trans Union credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT. 

I contacted the Trans Union company and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision. 
I contacted the credit bank XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX XXXX and a manager responded to me informing me that the only way they can reconsider my application is for Trans Union to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account. 

I contacted Trans Union again and they do not have a letter format to send to XXXX XXXX XXXX bank the rectification that there is incorrect information in the decision of my application for the XXXX credit card. Only they can give me a copy of my credit record, which I should send to XXXX XXXX XXXX so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT. 

I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law. 
I ask that Trans Union please inform XXXX XXXX XXXX that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card. 
I also request that XXXX XXXX XXXX reconsider my application based on the response to be provided by Trans Union, which shall report that the information in the negative credit card response provided to me by XXXX XXXX XXXX is incorrect. 

Attached the XXXX XXXX XXXX credit card refusal response, where it shows that they are based on information obtained from the company Trans Union.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I deposited a check via mobile app on Sunday/ XX/XX/23 I received an alert that my funds were on hold. I was told it would not show up until XXXX Monday and the alert was automatic. So XXXX days down I finally go into the branch after talking to three representatives and two supervisor because its XXXX and my funds are still on hold .Truist says the hold will be there till XX/XX/23. I have never waited longer than 3 days. This is more than a week and I have the physical check present. Then I was told to return to the branch, get in touch with the issuer of the check ( XXXX XXXX ) to verify and they would release the hold. This was the end of the day now it is XX/XX/23 I went into a XXXX XXXX they had never heard of such policies, I also contacted the person who signed the check. I am currently on the phone with Truist and they have me on hold waiting to talk to administrator. But they made sure to take out fees from my monkey they have on hold and makings me do the leg work just to not need it and take off hold anyways. Very dissatisfying I feel as if I was profiled and treated as such. I just want access to my money when I need it. I will be closing this account and taking my sticks back I will not invest in a system that operates like this. Truist is not true to what they represent I have been with them since the merger I am done do not bank with Truist they do not support everyone. Now Im being told to have the issuing back scan a copy front and back to show that its cleared. I have literally never heard of this procedures. And the nerve of the local representatives to shift blame on the mobile hotline. When they all are under the Truist umbrella same training. Do not bank with Truist because disappointing is what you will receive.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmore Loan Management Services, whose products are federally backed by XXXX XXXX  ( see attached article ) offered by announcement on their website assistance for those impacted by XXXX. Each time I made a payment by phone I made it known that I was having temporary financial trouble due to XXXX. I finally completed the online form ( after having difficulty accessing their website on several occasions ) requesting mortgage assistance ( requesting that I be enrolled in a forbearance plan ) due to XXXX. Rushmore was still offering XXXX assistance ( per their website -- see screenshot -- as of XX/XX/23. Rushmore 's website clearly states that " your loan will be reported to the credit bureaus as CURRENT during your forbearance period. '' Not only did Rushmore NOT honor my request to be placed on a forbearance plan ( which I requested back on XX/XX/XXXX ), they also reported me as being 60 days late, resulting in a huge decline in my credit score ( see attached ).
Consumer complaint received 2023-06-09
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: SYNCHRONY FINANCIAL (NY)

I made an online purchase at XXXX. They shipped out my purchase and it was to be delivered XXXX - I got a call from XXXX  around XXXX asking if I got the package and I told them that I did not. the next thing that I know - XXXX  updates the tracking number saying that it was delivered on XXXX and that I signed for it. I called XXXX and the shipper asking for my AUCTAL signature ( you sign a digital pad/or they take a photo of the package on the doorstep ) to this date they still can not do that. I have tried to explain that I work Monday - Friday XXXX and there is NO way that I signed for this package. I was denied over and over... So i called Synchrony Bank and filed a dispute with them. They keep telling me that I signed for this package and they siding with the shipper. All that I am asking for is show me who signed for it. 

Fast forward to XX/XX/2023. I get a letter from Synchrony on XX/XX/2023 that a credit in the amount of XXXX will be credited to my account on XXXX. This still has not happened. I called the bank yesterday and spoke with a Supervisor and he said that no credit will be issued. 

They can not give me a reason as to why they are not honoring the letter that I received. 

I don't understand any of this. Why is it that just because XXXX says that it was delivered and they cant show proof of that - I am out the money and the package. I explained to XXXX at the bank yesterday, that i have never had an issue in the past and that i have purchased more items from that location from XXXX 

I just want this taken care of - I would like the credit that they said was going on my account.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

Recently I had disputed accounts on my credit reports. with CFPB and XXXX and Experian XXXX XXXX. The CRAs were not reporting correctly. The complaint number is XXXX with the CFPB. XXXX has resolved the account reporting problem, Experian and XXXX XXXX has not. The Company that I have the accounts with has notified me that they have removed all prior paying history with all the CRAs and updated correct information. I am not sure why XXXX XXXX and Experian has not updated the accounts and did the same. This is a violation of my fair credit reporting rights and is truly not fair.Hopefully CFPB can help me with this reporting issue listed on the complaint number listed, informing Experian and XXXX XXXX what has taken place.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (FL)

Experian stopped updating information to my credit card credit account since XXXXXXXX XXXX ; they listed the account as active but having " no status '', even though they've been receiving account information from my credit union. The account has been very active and there is plenty of current information available, as my credit union sends it every month ; but because Experian has stopped using the information that is reported to them every month, my FICO score has been eliminated : Experian suggests that they reason for no FICO score is that there is not enough information. 

Experian has been thoroughly notified repeatedly by my credit union that the credit report is inaccurate. I have explained it to them very thoroughly, on three occassions. Experian told my they credit union that they would update their credit report, but they have not done anything. They're phony response to the Consumer Financial Protection Bureau completely ignored my thoroughly detailed explanation. 

They have made no serious effort to repair their error and they continue to prevent me from acquiring a mortgage by eliminating my FICO score.