davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On or about XX/XX/2023, Truist Bank told us that our endorsed insurance check would be endorsed by the Bank so we could cash it to provide the funds to us or deposited in our HELOC account. Instead money was kept by the Bank and Bank will not release it to us. We previously filed a complaint with CFPB and were advised that the company would respond. However the companys letter did not address our complaint that the XXXX Florida branch manager XXXX XXXX and the Sr Relationship Manger XXXX XXXX XXXX explicitly and repeatedly represented to my wife and myself that if we endorsed the insurance check, the bank would then endorse it and return it to us for cashing or deposit in our line of credit account. Rather the Banks letter from XXXX XXXX of XX/XX/2023 simply repeated what the Bank says is its policy- to retain insurance check funds and disperse them only upon completion of the work. The letter did not address our complaint that the Bank agents made false representations as detailed above. ( Regardless of whatever policy the bank claims it has, the bank officials represented something entirely differently to us as detailed above, and did not tell us that the bank was going to confiscate our funds. ) The Branch Manager and Sr Relationship Manager are legal agents of the bank and their representations to customers are legally binding. Here the bank obtained our endorsed check based on false statements and misrepresentations. We request that your agency conduct a proper investigation of this matter, rather than sending it back to the bank who failed to respond to our claim. 
XXXX XXXX Truist Bank HELOC account XXXX
Consumer complaint received 2023-05-30
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: Army and Air Force Exchange Service (GA)

In accordance with the Fair Credit Reporting Act, The reporting of the Account listed as : MILITARYSTAR  XXXX on my XXXX and XXXX Credit report has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the XXXX report and the XXXX report. XXXX does not even have a record of this account existing at all. 

The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living.

The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602.

I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation.
Consumer complaint received 2023-05-31
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-05-31
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and have noticed accounts on my credit report which do not belong to me.Two of the accounts appearing on my credit report that I don't recognize are from : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Transunion is unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below they must remove these accounts from my credit report.

Therefore, I am requesting that you please send me copies of the documents that Transunion has in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by Transunion, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that Transunion has in their files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly removed from credit report.
Consumer complaint received 2017-11-12
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 — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

I sent LexisNexis a letter of dispute regarding two public records ( Tax Liens ). XXXX and XXXX both reported that this information was furnished to them by LexisNexis, which is a third party vendor. I advised XXXX and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to LexisNexis on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from LexisNexis and it has been more than 30 days. The Tax Liens are XXXX and XXXX. I also made contact with Oklahoma XXXX XXXX and they verified that LexisNexis was never given this information by them. As a result of this, LexisNexis reported this information to XXXX and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XXXX XXXX, XXXX, my husband and I hired Attorney XXXX XXXX to help us file Chapter XXXX Bankruptcy. We paid him XXXX from our joint checking account but still owed him XXXX to begin the bankruptcy process. 
We did n't have XXXX to pay him the full XXXX so he advised us to do cash advances on our credit cards, but informed us, " We 'd have to wait 3 months to file. '' Within two days we paid him XXXX in cash, but never heard back from him, nor did we ever go to court. 
All of our debt was paid in full despite the fact we never went to court, and our filing date was illegally changed to XXXX XXXX, XXXX, not the year we filed. 
Not only was the year illegally changed, there 's no case number listed on any of the documents, and the documents were changed to look like a divorce. 
I reviewed my credit report from XXXX, and it states, " We filed in XXXX, WI. '' which is part of the XXXX XXXX, not the district we would have filed in, nor do they have jurisdiction. 
I then reviewed my credit report from Transunion, and the have a XXXX address listed, not the court we filed in. 
Had our bankruptcy been filed legally and we went to court, we would have gone to the XXXX District which is located at XXXX XXXX XXXX XXXX, XXXX, WI. 
Bankruptcy XXXX was committed to cover up my husband 's legal last name, the illegal alias he 's been using, and the years of fraud committed because of his multiple identities.
Consumer complaint received 2023-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

The loan is for our son and I believe originated in XXXX. Over a year ago the remaining balance of the loan was placed on a monthly draft from our checking account for $ XXXX. For some reason the payment did not draw in XXXX of XXXX. I have contacted Citizens bank and they stated that they tried to call me to let me know the payments were not being received. The calls were made to a land line number which is no longer in service. They didn't follow up the phone attempts with a letter, but instead placed the loan with a collection agency. I have contacted Citizens ( XXXX ) twice to offer getting the payment fixed including sending them the {$300.00} for the months the draft was not drawn. They have told me they can no longer help me as the loan has been assigned. I also spent XXXX minutes working with our credit union to determine why the draft was not sent, and was told clearly that the problem was not on their end. I have been in contact with the collection agency ( XXXX XXXX XXXX, XXXX XXXX, XXXX ). The have offered a settlement to terminate the loan which we are willing to do, but they want to receive the payoff in a rather unreasonable timeframe of {$1000.00} XX/XX/XXXX and {$1900.00} by the end of XXXX, which is basically the {$2900.00} settlement amount in 30 days. This would be difficult, but might be possible over XXXX  months. 
The bottom line here is that I feel totally manipulated, first by Citizens Bank and now by the collection agency. We have made a good faith effort to make this right with the bank, and I don't feel like i should even have to deal with the collection agency, but I will in an tempt to put this behind us. Any assistance you can provide on our behalf in the matter would be greatly appreciated. I also want this resolved without and affect on my XXXX XXXX XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-31
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. (MD)

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 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 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On or about X/XX/2016 USAA Savings Bank incorrectly reported me to XXXX XXXX XXXX that USAA closed my checking account for cause. This is wrong. I closed the account due to lost checks. USAA did not suffer any monetary losses. I demand that this be removed from my XXXX XXXX report. Thank you.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IN)

I was faithfully paid bill on time and never missed a payment and this company decreased my credit limit, causing my credit utilization on each card to be at 90 to 100 %. This company is called synchrony bank. I had over five accounts with them and almost every single one of those accounts They decrease each of them by a large amount like for example from my Sams Club card they decrease the balance from {$8000.00} all the way down to the total amount that I owe which was at {$2300.00}. This affected my credit and I was faithfully paying my bill on time. Never late. Now I can not hardly pay any of them because my utilization and my balances are so high.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX a check for {$40.00} ( Check XXXX ) was presented at the bank. They returned the check, charged me a {$35.00} fee. When I called, BOA advised the check was not paid nor would it be paid in the future. On XX/XX/XXXX the check WAS RE-PRESENTED for {$40.00} and was put through and cleared. I was not informed. Again, I was told it would NOT BE PAID. On XX/XX/XXXX,  Bank of America charged me two more fees, {$35.00} and {$30.00} for this same check. Therefore, the bank charged me a total of {$100.00} in fees ( 3 total ) for this one check # XXXX written in the amount of {$40.00}. I contacted the Consumer Affairs Department directly of the Bank. I left several voicemails. The calls were not returned. The problem was not fixed. On XX/XX/XXXX I went in person to the Bank with a scheduled appointment. ***I am XXXX, having problems with an XXXX and NOT supposed to be out. I had no choice. The representative argued, then requested a partial refund ; he advised I would get {$40.00} of the {$65.00} overcharge back. On XX/XX/XXXX someone from Consumer Affairs left me a voicemail that " You got a refund of some of your fees. We will not do this for you in the future. Call if you have questions '' This woman had no idea I went in person, against medical advice, and made the request. This bank has done this to me over, and over, and over and over. They owe me {$25.00} additional dollars back.
Consumer complaint received 2023-05-23
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. (PA)

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 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 2023-05-23
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)

Today XXXX XXXX  ), I just reviewed my Consumer report from Equifax and I have noticed that two accounts that I have disputed in the past several times are still reporting Incomplete and missing vital information. Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate. 
I have enclosed a copy of my recent Equifax Consumer report XXXX, and circled all of the Incomplete/missing information. As you can see, The vital information that should be on my consumer report is indeed incomplete. 

Account-XXXX  XXXX XXXX Problem-Incomplete Payment History from XXXX  XXXX XXXX  Solution-Delete Account for reporting Incomplete payment History on a Consumer Report. 

Account- XXXX  XXXX Problem-Missing Payment History from XXXX XXXX XX/XX/XXXX  Solution- Delete Account for reporting Incomplete information on a Consumer Report. 

Please investigate and Delete these accounts. If i am remiss then please provide me proof with billing statements showing the Complete payment history. If proof can not be provided, then I demand these Accounts be removed immediately from my Consumer Report. 

Thank You.
Consumer complaint received 2018-01-02
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. (NC)

Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!
Consumer complaint received 2023-05-23
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)

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 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 2023-05-23
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. (DE)

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 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.